I'm checking in for April, my first check in. I haven't refreshed myfico scores, TU will be refreshed next week. I did do 3 Bureau pull with Equifax.com - I know it's not FICO but I was curious. So far I have TU 528 EX 561 EQ 553. I don't know how close they really are to FICO.
I co-signed on an auto loan with DH last month and it just reported this month. Not sure how it has affected my score yet. I opened a secured CC last month too but it hasn't shown up on the credit yet. I do have some HP's since I have been trying to get credit. I was approved for a Matrix Discover $300 limit with $150 deposit. I know it's not the best card in the world but I guess it will have to do for now.
I'm hoping I start seeing an improvement, I would like to get my car refinaced by the end of the year. 18% interest sucks lol
Starting Score: TU488 EQ470 EXFAKO585
Ended 2012 with 793 EQ Fico....but got punished for my app spree...all new accounts other than the 2 BofA cards
(cards in siggy) ..score dropped to 740 but my CL increased from 8,5k to 48,5k..40k additional in 4 months! In urgent need to garden now to not scare off my new lenders. My util and spending habits will remain the same...always PIF as I do sleep better! My goal is to try to reach 800 and no matter if I succeed or not I would like to app in 2014 for CSP. These are my goals and at the same time I am experimenting a bit with reporting variations on my profile. if the score drops it does not mean I stopped gardening...ha ha...just testing impact on Fico ..lol
(cards in siggy) ..score dropped to 740 but my CL increased from 8,5k to 48,5k..40k additional in 4 months! In urgent need to garden now to not scare off my new lenders. My util and spending habits will remain the same...always PIF as I do sleep better! My goal is to try to reach 800 and no matter if I succeed or not I would like to app in 2014 for CSP. These are my goals and at the same time I am experimenting a bit with reporting variations on my profile. if the score drops it does not mean I stopped gardening...ha ha...just testing impact on Fico ..lol
I'm still waiting on my refi to set a closing date. (rate locked till 5/15)
My score went up a little to 703 from 696 due to the lower credit util. Not nearly as much as the esimator thought, but better than going down.. (est said I should have got to the 720's)
I'm chomping at the bit to close on my refi to buy a new truck. Been working with a few different dealers on getting a good deal lined up..
Starting Score: EQ 665 (Jan 1, 2013)
April is off to an optimistic start!
+ sent 4 GW letters put and am waiting!
+ opened a becu (Boeing) CU checking/savings acct
+ applied for a Becu rewards visa online and was countered with a non-rewards visa with a $1000 CL
+ called to request a CLI on this visa and they increased it to $2500
+ opened a usaa checking/savings acct
+ pulled the trigger on a usaa pre-offer and was approved for a classic Amex with a $1000 CL
- called Isa to request a CLI but they stated that I needed to wait 6 months before requesting a CLI
- applied for an Amex Costco TRue earnings card and was denied due to multiple reasons (I'm even an executive member with decent spend)
- called Amex for a recon but was advised of the same reasons they've denied me
- fico scores dropped due to several reporting changes and inquiries, but I'm hopeful that it will go up as I use my CC's maintaining a low utilization and PIF every month.
I've been burning the midnight oil reading everyone's posts on this forum. I'm so confident of my learning a that I took on improving my wife's Credit as well!!!!
Thanks all for your inspiration and guidance.
+ sent 4 GW letters put and am waiting!
+ opened a becu (Boeing) CU checking/savings acct
+ applied for a Becu rewards visa online and was countered with a non-rewards visa with a $1000 CL
+ called to request a CLI on this visa and they increased it to $2500
+ opened a usaa checking/savings acct
+ pulled the trigger on a usaa pre-offer and was approved for a classic Amex with a $1000 CL
- called Isa to request a CLI but they stated that I needed to wait 6 months before requesting a CLI
- applied for an Amex Costco TRue earnings card and was denied due to multiple reasons (I'm even an executive member with decent spend)
- called Amex for a recon but was advised of the same reasons they've denied me
- fico scores dropped due to several reporting changes and inquiries, but I'm hopeful that it will go up as I use my CC's maintaining a low utilization and PIF every month.
I've been burning the midnight oil reading everyone's posts on this forum. I'm so confident of my learning a that I took on improving my wife's Credit as well!!!!
Thanks all for your inspiration and guidance.
March for me was good and bad....I can proudly say I have no more collections on any of my reports......originally starting out I had about 10 collection on each and that was back in December 2012. 3 short months and all are gone.....some were mistakes...some i PFD and some i just paid and they removed with no problem.
Unfortunatley I still have 2 negative accounts reporting.......1 First premier which was settled and they wont delete.....the other which has been a paid was an old GE/Amazon account....the balance was 892 ($600 limit) from late fees. I've paid it down to $550 which was helping ....but then they all of the sudden reported the credit limit $0 instead of $600 so now Im way over utilization again....grrrrr.......guess i just have to PIF it.
Other than that I got added as an authorized user to one of my moms long standing credit lines and they did confirm they would be reporting it to my credit so Im just waiting for that to show up. I may just sit back and wait a bit now for inquiries to fall off while i pay down that Amazon card.
Hopefully no old collections resurface....crossing my fingers
My date with the bankruptcy court is Monday. I checked my credit score this morning and just by filing, it appears my score went up 45 points. I don't remember the last time I have seen it over 600 - it's only 601 but hey - that's over 600
Going straight from the court house to open a checking account now that it can't be garnished! Super excited!!!
Just went from a dismal 536 to a 552, it's not good but its progress.
What's the best place to get our FICO scores? And should I pay monthly?
My scores increased by about 40 points since I first pulled my credit report and score, and realized that I had to act on this.
I started the fitness challenge in March and now my scores are in 570's and 580's. They are not great but a huge improvement from 540's in just a month!
Good luck to everyone still in the challenge!
It is a slow process but I am up 45 points since January
*8/10/13