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February 2017 - Check In Thread

Established Contributor

Re: February 2017 - Check In Thread

Thank you BBP!
gardening until: 02/02/2018....updated on: 12/01/2017....rebuild: 02/2016 EQ: 648 TU: 642 EX: 657
Curr. Score (Mortgage): EQ 05: 739, TU 04: 774, EX 02: 810 (Fico 8): EQ: 775, TU: 790, EX: 810
Goal Score (Mortgage): EQ 05: 760, TU 04: 774, EX 02: 810 (Fico 8): EQ: 800, TU: 800, EX: 810
Take the myFICO Fitness Challenge
Message 31 of 36
New Member

Re: February 2017 - Check In Thread

My goal is to pay down my utilization (currently at about 40%) to below 30%.   

Starting Score: 657
Current Score: 683
Goal Score: 800


Take the myFICO Fitness Challenge
Message 32 of 36
Frequent Contributor

Re: February 2017 - Check In Thread

I'm new to the game, but hope not too late for the challenge. Lurked around forums past month, making a plan. Began today with the 3B. Scores fair. 

 

Goal Plans:

 

1. Pay down/off all credit cards except one to <10% utilization. (Have PIF 2 of these cards just within the last week)

2. Garden my cards till late in year, as my highest limit one is only a 1k limit, with HD, and age the accounts.

3. Only true credit card ie Visa, MC is a Milestone with a low limit 300, and $99 ! yearly fee. Hope to increase my FICO for a decent V or MC with a higher CLI and no fees!

4. Wait for inquiries to fall off, 2 cards were opened this year, new credit affecting current FICO. 

5. Save! Apply what I had been paying towards CCs, to go into a savings account for emergencies. This plaques us often, car, house repairs, repairs still needed.

 

 

 

Starting Score: 2/23/2017 Score 8 EQ 651 TU 659 EX 679
Current Score:11/23/2017 Score 8 EQ 744 TU 743 EX 743
Mortgage Scores 11/23/2017 EQ 756 TU 771 EX 754
Goal Score: 760+ ATB FICO 8, Middle Mortgage Score 760
Message 33 of 36
Regular Contributor

Re: February 2017 - Check In Thread

Hello Everyone!

 

February is off to a good start for me. I have paid off 2 credit cards as of today and settled one old account. 

I will be submitting settlement for 2 additional accounts, hopefully both today (their from 2013 and seriously suppressing my scores)

I will be submitting a goodwill letter to Cap One for a few late payments I have from 2014. I have 3 accounts with them all with perfect history for the last 2 years.

I've been reading so many success stories on the forum and I hope to have my own soon!

 

Looking forward to keep plugging away for March!

Score: EQ 609, EX 597, TU 614 (1/19/17) Current Score: EQ 682, EX 672, TU 673 (10/19/17)
Goal Score: 700+ across all 3--Gardening until November 2018
Message 34 of 36
Established Member

Re: February 2017 - Check In Thread

Im checking in for the first time. Im new to the forums. I only officialy joined a a couple weeks ago but over the last year I would google questions I had & 9 times outta 10 it lead me to a thread here. These forums have been very useful in helping my establish good credit. Specifically with joining navy federal credit union & the asking for increase. Im currently at $15,000 limit. I also got the synchrony number for the overseas credit increase dept & have limits of $5000-10,000 on 5 synchrony cards. I have picked up many other tips as well. As far as goals I dont really have many. I do want the Marvel Card. I want to get a 2nd navy federal card and an increase on my local credit union Visa. I need to wait until June though because I have 5 inquiries that fall off my report in april & may. Other than that I just intend on gardening.
Message 35 of 36
Highlighted
Established Contributor

Re: February 2017 - Check In Thread


Cherekas wrote:

Hello Everyone!

 

February is off to a good start for me. I have paid off 2 credit cards as of today and settled one old account. 

I will be submitting settlement for 2 additional accounts, hopefully both today (their from 2013 and seriously suppressing my scores)

I will be submitting a goodwill letter to Cap One for a few late payments I have from 2014. I have 3 accounts with them all with perfect history for the last 2 years.

I've been reading so many success stories on the forum and I hope to have my own soon!

 

Looking forward to keep plugging away for March!


You have had a good February!  Keep it up and let us know your progress! Smiley Happy

 

Don't forget when settling to get in writing if you do a pay for delete. Getting the items deleted will definitely yield nice points!

gardening until: 02/02/2018....updated on: 12/01/2017....rebuild: 02/2016 EQ: 648 TU: 642 EX: 657
Curr. Score (Mortgage): EQ 05: 739, TU 04: 774, EX 02: 810 (Fico 8): EQ: 775, TU: 790, EX: 810
Goal Score (Mortgage): EQ 05: 760, TU 04: 774, EX 02: 810 (Fico 8): EQ: 800, TU: 800, EX: 810
Take the myFICO Fitness Challenge
Message 36 of 36