What is MYM if you don't mind me asking!
@signguy17 wrote:^^^^^^ I don't think I like the last poster anymore.....it's not that Shogun got a bump but it's more that he didn't share.....sharing IS caring Shogun!!^^^^
If it was out to me I'd be handing out bumps like a 14 year old learning to shave for the first time!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
What score watch are you guys using??? I want one, I want one :-P
Starting Score: 579 (TU) 501 (EQ)Nevermind, I'm assuming you guys are talking about the one offered on this sie for $14.95/month. Is it worth it? How often are you seeing an unpdated sore/report? Monthly? Daily?
I finally gave up on Scorewatch.. mine was basically flat for a year.. maybe up a few, then apply for a CC and down a few.. but over 1 year FICO stayed within 5 points so hard to justify $14.95 a month to watch water boil. I SRS thought that by paying bills on time and CC's PIF every month, plus getting my debt-credit ratio in line and keeping Util at 10% or less would do something to raise my FICO but NOPE. Addiction to Scorewatch overcome. 
I GOT A BUMP!! YAAAAAAYYYYY!!! i got a negitive bump....boooooooo. The good bump was on Credit.com which reports the EX FAKO. It went up 9 points! MyFico, however, due to my own hand dropped 5 point because I didn't know that a CC utilization doesn't kick in until the first reporting which hasn't happened yet and so I left too much money due on the card and it dropped.....oh well.
I paid the cards down to $30 on one and $10 on the other. The new card payment is due of the 21st so it should report around the 25th I guess. We shall see....
But +9 and a -5 is a net +4 gain right! Oh yeah baby right there!! Daddy likes that! OOOOOOOOOOOOO!
Starting Score: