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08-23-2009 08:37 PM
Congrats on the 1 pt increase PayingTheBills ... um..could I get a PM on the email addressee....RJM is next to last on my list of coming closer and closer to the 700 club and the mail is recking havoc on my nerves
"Trying to enjoy my NEXT 30 years---DEBT FREE!"
When I grow up I wanna be a GURU!
08-24-2009 06:24 PM
Thanks for the positive comments everyone, I really appreciate it.
I got a new full time job that started on July 24th, and I have been working at my old full time job on Saturdays and Sundays. So I haven't had a day off in over 5 weeks and I won't have one until Labor Day, but with the extra $ coming in, I can pay things off quicker and put some money away for a rainy day.
Keep your heads up everyone, if I can do it, you can too!
09-01-2009 05:56 PM - edited 09-01-2009 05:56 PM
09-14-2009 04:34 AM
TU QUARTERLY MONITORING JUST UPDATED!!!
MY TU FICO WENT FROM 617 to 644!!!!
09-14-2009 11:11 AM
09-14-2009 08:17 PM
Thanks! I always appreciate the encouragement I get here at MyFico.
In other news, I had to split my first post into two posts because it got too big, haha. Go check it out, I added new info!
09-14-2009 09:44 PM
10-18-2009 03:56 PM
My Cap1 Credit Steps are COMPLETE. Limit just increased from $750 to $1,000! Woohoo for small victories!
See first post for updated journal.
10-19-2009 08:54 AM
Wow! Just looking at the scores in your sig - you have increased so much in less than a year!!!!
This is wonderful! Congrats and keep up the great work - it is so inspirational to see success stories like this!
10-21-2009 08:42 PM - edited 10-21-2009 08:45 PM
that first large increase came when 5 of my student loans were rehabilitated (which made the 5 collection accounts from the guarantor disappear).
That second medium increase came from bringing my revolving utilization from 95% to 8%, (my FICOs went to 627 EQ and 622 TU then) and its now at <1% every month.
Since then I've only had small increases (627 to 638 EQ and 622 to 644 TU), but 4 years from today I will be celebrating a flawless report and I will be 100% debt free.