So after getting myself in trouble with credit card debt over the past 2 years, I'm finally starting to see the light..
My starting Credit: FICO 8 EQ: 590, TU: 598, EX: 597 (Dec. 2014) 99% utilization
Mid Change: FICO 8 EQ: 617, TU: 598, EX: 609 (Apr. 2014) 65% Utilization
New Updated scores: FICO 8 EQ: 656, TU: 690, EX: 682 (7/1/2015), waiting on EQ to update. 10% Utilization
In these past months I've been focused on repair my broken credit, because I wanted to be able to purchase my own home. However, without these forums I wouldn't have gotten to where I'm at now.. 6 months ago I thought there was no getting out of this whole. 20k credit card debt gone.. Closed 4 credit builder credit cards, and opened 3 new mid-range credit cards 
Today I'm excited because i received my new Barclay Rewards MC in the mail, and still waiting on my new Capital One QS1 and Platinum; I have learned thanks to these forums how to make the Credit Card companies work for me, instead of me working for them. That is all.
Congrats !! You will most likely see all of your scores go over 700 if you can drop your utilization under 30% on all of your accts.!! Great Job!!
@Bpearl2010 wrote:So after getting myself in trouble with credit card debt over the past 2 years, I'm finally starting to see the light..
My starting Credit: FICO 8 EQ: 590, TU: 598, EX: 597 (Dec. 2014) 99% utilization
Mid Change: FICO 8 EQ: 617, TU: 598, EX: 609 (Apr. 2014) 65% Utilization
New Updated scores: FICO 8 EQ: 656, TU: 690, EX: 682 (7/1/2015), waiting on EQ to update. 10% Utilization
In these past months I've been focused on repair my broken credit, because I wanted to be able to purchase my own home. However, without these forums I wouldn't have gotten to where I'm at now.. 6 months ago I thought there was no getting out of this whole. 20k credit card debt gone.. Closed 4 credit builder credit cards, and opened 3 new mid-range credit cards
Today's I'm excited because i received my new Barclay Rewards MC in the mail, and still waiting on my new Capital One QS1 and Platinum; I have learned thanks to these forums how to make the Credit Card companies work for me, instead of me working for them. That is all.
Awesome progress! Congrats!
In my wallet: Venture 15k; Barclay Ring Platinum MC 12.5k; Discover 10k; CareCredit 7.7k; Amazon Store Card 5k. QS 5k; BofA Travel Rewards 3.5k; BofA Travel Rewards 3.5k; BofA Platinum Visa 2k; Barclay Apple Rewards 2k. Total Credit: 66,200. 7/1-FICO: EQ - 789; TU - 781; EX - 690; GOAL: 780 across the board then 800 across the board. Inquiries: EQ: 4; TU: 7; EX 7; Chapter 13 seven years May, 2015. Reset my garden date to 6/27. Gardening until further notice.
Grats on your progress
