Rebel's mistakes and accountability plan...

[Anonymous]

Really excited today!  Got the newest "free" 3 credit report  and I'm really happy with my progress.  TU continues to make me smile with a score well beyond my short term gaol and apprachiing a score I thought would take a year or more.  Fico/Experian is just short of my goal, and Equifax .... well, they are being Equifax, but much improved, heck thay are up nearly 200 points from early this year (pre regular CCT scoring).

Look at September below!....................................

Today is the CCT 30 day three report day:

Credit Check Total Scores June 29, 2016:

Fico Score 8: 588 

Experian: 588

Transunion: 608

Equifax: 581

CCT Scores July 11, 2016

FICO: 592

Experian: 592

Transunion: 613

Equifax: 586

CCT Scores August 10, 2016

Fico: 607

Experian: 607

TU: 634

Equifax: 608

CCT Scores September 9, 2016

Fico: 659

Experian: 659

TU: 689

Equifax: 643

[Anonymous]

October 30 day CCT Report:

Today is the CCT 30 day three report day:

Credit Check Total Scores June 29, 2016:

Fico Score 8: 588 

Experian: 588

Transunion: 608

Equifax: 581

CCT Scores July 11, 2016

FICO: 592

Experian: 592

Transunion: 613

Equifax: 586

CCT Scores August 10, 2016

Fico: 607

Experian: 607

TU: 634

Equifax: 608

CCT Scores September 9, 2016

Fico: 659

Experian: 659

TU: 689

Equifax: 643

CCT Scores October 19, 2016

Fico: 611

Experian: 611

TU:670

Equifax: 608

The problem is a series of financial setbacks (unexpected) that has driven my primary card balances up...should be fixed over the next 4-6 weeks.  Bummed about the score...but it is temporary and I'm glad I was in a position to affect things without panic.

[Anonymous]

Interesting read rebel, fellow Floridan here too. Thanks for sharing your journey.

[Anonymous]

CCT Scores November 21, 2016

Fico: 633

Experian: 633

TU:641

Equifax: 612

Still trying to get the balances down....honestly probably won't have them significantly reduced until January/February next year.  I had to help family with unexpected medical expenses this month, Christmas is coming...so things will stagnate a bit.  I have made well over minimal payments religiously.  Capital One just upped my credit limit to $1600 ($500 increase) all on their own...thanks Cap 1!