04-04-2013 01:23 PM
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
04-04-2013 01:41 PM
04-04-2013 06:09 PM
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..
04-04-2013 10:16 PM
04-05-2013 07:10 AM
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
04-05-2013 09:07 AM
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!!!
04-07-2013 05:00 AM
What's the best place to get our FICO scores? And should I pay monthly?
04-08-2013 09:40 AM
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!
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.