Watch Me Grow

[OMW2_HighAcheiver]

• I'm starting this thread to keep track of my journey. If anyone would like to join me, you're most welcome!
  
  March 1st 2015 - NO personal positive/current credit cards/revolving/installment loans
  **Authorized user on Mother's Chase/Nordstrom

~WILL ADD COLLECTIONS/CHARGE OFFS/PUBLIC RECORDS

01/30/16

TU Raw Report

*Chapter 13 BK DISMISSED due off 12/18

*Auto 1-30 day late 11/15 ---01/16 pays as agreed

*First Premier Bank  $386 charged off due off 01/17

*General Revenue Corp- Community College $2598 debt in collection due off 11/20

*Pinnacle Credit Services- Verizon Wireless $427 in collection due off 01/17

*20 accounts reporting satisfactory  

Only Nordstrom Visa AU account showing $40/5000 SL 

2/6/16

Experian Raw Report:

*CH 13 BK DISMISSED due off 01/19

*Michigan Tax Lein $710 original balance paying monthly since '15

*Account Services -medical bill $72 due off 2/20

*Capital One -charged off/never late? $199 written off $150 past due due off 2/19

*Auto loan -30 days 11/15 due to go positive by 8/22 02/16 pays as agreed 

*First Premier Bank - Account charged off $386 written off $385 past due- due off 11/16

*General Revenue Corp - Community College debt collection account $2598 past due- due off 9/20

*Pinnacle Credit Services - Verizon Wireless collection account  $427 past due -due off 11/16

*Scana Energy- GA electric bill account charged off $67 written off due off 01/17

*Scana Energy - GA electricbill  account charged off $130 written off dye of 06/17

*Sentry Credit- Nordstrom debit card collection account $159 due off 11/21

Stallings Financial Group- Marietta Power collection account $567 due of 04/19

**14 positive accounts

10 inquiries fall '16

31 inquiries fall '17

3 inquiry fall January  '18

1 inquiry fall February '18

02/06/16

Equifax Raw Report

*Georgia Chapter 13 Dismissed Disposition date 12/13/12

*Michigan Tax Lien filed 10/2008

*Stallings Financial Group Marietta Power collection $567 unpaid DOFD 07/12 collection

12/13*Account Services medical $72 collection DOFD 5/13

*Sentry Credit Nordstrom debit collection  $159 DOFD 2/15

*Capital One charged off $150 DOFD 02/12

*General Revenue collection Community College debt $2598 DOFD 12/13

*First Premier charge off  $385 DOFD 02/10

*Pinnacle Credit Services collection  $427 DOFD 02/10

*Scana Energy charge off  $67 DOFD 02/10

*Scana Energy charge off  $130 DOFD 04/10

*Scana Energy charge off  $122 DOFD 03/09

**24 positive accounts

13 inq off '16

41 inq off '17

8 inquiries off 01/18

March 28th 2015 - purchases vehicle (don't remember credit score from dealership. Maybe 540ish)

August 2015- Secured 5/3 Mastercard $300

September 2015- Eddie Bauer $250 (closed by consumer)

September 2015- Express Next $250

September 2015- Discover it secured $200

October 2015-Kohl's  $300

December 2015- Capital One Platinum  $100 then $500 after 5 months (CapOne closed when approved for QS1)

January 2016- Capital One QS1 $500 with credit steps

Utilizing CK & myFICO Ultimate 3B

January '16

Utilization is 14% including AU accounts

AAofA- 5 years

January '16 -Currently am carrying 30+ inqs across the board per CK. Raw reports significantly different! 

[OMW2_HighAcheiver]

CK .....666 as of today for TU.

myFICO & CCT still reflects TU as 615

[Anonymous]

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@peaved_about_credit wrote:
CK .....666 as of today for TU.

myFICO & CCT still reflects TU as 615

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Credit Karma is a FAKO score. It will seldom match up with true FICO 8 scores from here and CCT.

[OMW2_HighAcheiver]

Understood. Why is CK so quick to update and the ones that matter is not?

[gdale6]

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@peaved_about_credit wrote:
Understood. Why is CK so quick to update and the ones that matter is not?

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There are different triggers associated with the services.

http://myfico.custhelp.com/app/answers/detail/a_id/463/kw/3-bureau%20monitoring/session/L3RpbWUvMTQx...

http://ficoforums.myfico.com/t5/myFICO-Product-Feedback/Score-Watch-Guide/td-p/603543

[Anonymous]

With CCT ypu have to pull another three bureau report to see the TU update. You can pull A 3B report three times in 30 days. It will tell you how long you have before the next free pull.

[OMW2_HighAcheiver]

26 point TU DECREASE today. I won't get discouraged. Gardening is going to do wonders.

[Anonymous]

@Norman FH.... cut is still allowing 3 a month? I thought I got an email that it was only one a month now. I am subscribed to so many services I could be mixing them up. Either way, it's still more 3B pulls thAn you get anywhere else, so I'm happy.

[OMW2_HighAcheiver]

No crazed. His post is prior to the change.

[Anonymous]

Oh well derp. I didn't even look at the date. Sheesh I am really batting a thousand today.