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Established Contributor
thankfulheart
Posts: 619
Registered: ‎09-26-2011

You know you're obsessed with FICO when...

You know 2 statements cut on the 9th and it's KILLING you to see the ScoreWatch update for them being paid to $0, going from 50% to 0% on those 2 cards.

 

When you are kicking yourself for pulling out the WRONG credit card during a wee shopping spree and hoping that the charges do NOT hit before the statement cuts later today.

 

When you are counting dimes, nickles, and pennies to go pay the Target card in cash before it's due date because you screwed up and forgot to pay off the last of the balance last month.

 

I have 40 days until I plan to apply for a mortgage, darnit. Gimme a 660 across the board, 680 would be flippin' awesome!

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)

Frequent Contributor
AZHeather
Posts: 304
Registered: ‎04-26-2012

Re: You know you're obsessed with FICO when...

Once a month (on that special day) you wake up earlier than usual to make sure that you have enough time to pull your monthly FICO scores before you go to work.

 

You check your emails a little more than usual when you are expecting a SW alert.

 

When you start calculating all of your cc due dates before they will hit your cr's instead of the due date on your statements.


Starting Score: 634 EQ-FICO (4/20/12) 579 EX-FAKO (4/30/12) 629 TU-FICO (5/6/12)
Current Score: 698 EQ-FICO (11/26/12) 705 EX-(11/21/12) 698 TU-FICO (11/26/12)
Goal Score: 720 (for starters)


Take the FICO Fitness Challenge ~ In the garden until June 2013!
Regular Contributor
AutumnC74
Posts: 132
Registered: ‎03-28-2012

Re: You know you're obsessed with FICO when...

When you pay for an updated report because you don't want to wait for score watch to alert you after you have noticed that the equifax report from the other paid service you use has updated because you need to know your fico. You know that that one hard inquiry costs seven points but going down to less than 30% utilization can net over 20!

Starting Score: March 29, 2012 EX: 592, EQ: 549; TU: 557 - LENDER PULL
Current Score: June 2 2012 TU08 (walmart) 689, EX: ?, EQ: 649 (SW) TU: 679 (SW)
Goal Score: 720


Take the FICO Fitness Challenge

Regular Contributor
669
Posts: 136
Registered: ‎02-09-2008

Re: You know you're obsessed with FICO when...

When your significant other catches you at 2:00 in the morning trolling the forums and tells you that   "You really need to seek some professional help"

EQ 7/19/13 796
TU 04/29/13 784
EX 06/17/13 849
28 years credit history
17 years AAoA

CIT $15,900 BEST BUY $11,800 DISCOVER $10,000 LOWES $10,000 SEARS/MC $7,200 BELKS $5,700 JC PENNY $2,400 CHASE $5,900 AMX GOLD PR $NPSL AMX/BCP $11,200 SHELL/CITI/MC $80.00 (LMAO)
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: You know you're obsessed with FICO when...

I'm probably the saddest of all....

 

I pay for all 3 bureau's CMS's and myFICO SW and QM and AMEX CreditSecure, and update them every day.

 

My life literally revolves around my credit cards. :smileysad:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
669
Posts: 136
Registered: ‎02-09-2008

Re: You know you're obsessed with FICO when...

LS Wrote:

 

I'm probably the saddest of all....

 

I pay for all 3 bureau's CMS's and myFICO SW and QM and AMEX CreditSecure, and update them every day.

 

My life literally revolves around my credit cards. :smileysad:

 

 

Admitting your problem is the first step to self help.....:smileyvery-happy:

 

 

EQ 7/19/13 796
TU 04/29/13 784
EX 06/17/13 849
28 years credit history
17 years AAoA

CIT $15,900 BEST BUY $11,800 DISCOVER $10,000 LOWES $10,000 SEARS/MC $7,200 BELKS $5,700 JC PENNY $2,400 CHASE $5,900 AMX GOLD PR $NPSL AMX/BCP $11,200 SHELL/CITI/MC $80.00 (LMAO)
Regular Contributor
AutumnC74
Posts: 132
Registered: ‎03-28-2012

Re: You know you're obsessed with FICO when...

I pay for all three, quarterly monitoring here and scorewatch here and mycreditinform though capital one, I have paid for quizzle recently too and do not get out of bed without doing my daily update on creditkarma!!! I think I have spent about $150 in the past month alone on updated fico scores for tu and eq. Of course I'm attempting to clean up for a mortgage application and expect that in wont be so obsessed by the time I am finally living in my new home but who knows!!!

Starting Score: March 29, 2012 EX: 592, EQ: 549; TU: 557 - LENDER PULL
Current Score: June 2 2012 TU08 (walmart) 689, EX: ?, EQ: 649 (SW) TU: 679 (SW)
Goal Score: 720


Take the FICO Fitness Challenge

Senior Contributor
Booner72
Posts: 3,889
Registered: ‎05-24-2011

Re: You know you're obsessed with FICO when...

I am obsessed because I risk work by being on a forum when that is against the rules!

STARTING: 11/24/10 EQ-584 EXP-648 TU04-595
CLOSED FIRST HOME 8/19/11 EQ-630 EXP-691 TU04-653
CURRENT: EQ-701 EXP-??? TU08-720
Established Contributor
kjm79
Posts: 1,008
Registered: ‎01-22-2008

Re: You know you're obsessed with FICO when...


Booner72 wrote:

I am obsessed because I risk work by being on a forum when that is against the rules!



+100000000....same here  Guilty as charged.  lol  I've become the master of the minimize button.  I just look at it as exercising my reaction skills. 


Starting Score: TU? EQ 585 EX? (12/06) (CH 7 bk 11/04)
Current Score: (5/12) TU 699 (myFICO) TU 709 (WalMart) EQ 690 EX 686 (CC denial 7/11)
Goal Score: 720 Across the Board by Mid 2012
Take the FICO Fitness Challenge
Frequent Contributor
JenniferinFL
Posts: 367
Registered: ‎03-16-2012

Re: You know you're obsessed with FICO when...

You know you're obsessed with FICO when...

 

     your sitting at the computer cussing and swearing and your SO thinks something serious has happened, but it's just that your statement hasn't cut yet and it's already afternoon on the day it usually cuts and now it might not update in three days but you've been counting down for your new balance to post to wring those few extra points out of your score... and your explaining this while your SO looks at you like you just might not be operating with a full deck anymore..

 

 

     your mood can be predicted by looking at your creditkarma graph. In fact, anyone can tell what your mood has been every day for the last month. "happy - sad - happy - blegh - happy- really sad" which = "score went up 2 pts - score went down 2 pts - score went up 3 pts - score stayed the same - score went up 1 pt - score dropped 6 pts"

 

     your spouse checks your creditkarma in the morning for you to see what kind of day he/she is going to have

Current Cards: Cap 1 Journey $3000, Cap 1 Playstation $2250, WFNNB Store Cards $2450 combined, Target $700, CareCredit $1700, Barclay Rewards Plat. Mastercard $1800, Old Navy $300, DCU Platinum Rewards Visa $2000, Swagbucks Rewards Visa $1000

Starting Score: 615 EQ (03-15-2012) 600 TU (03-21-2012 Barclays app) ) Ch.7 discharged 5/2009

Current Score: 673 EQ (08-30-2014) 684 TU (08-15-2014 myfico

Gardening since 8/19/2014



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