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July 2015 Check-in Thread

Valued Contributor

Re: July 2015 Check-in Thread

Wonder what happened to my signature.  All of the cards are gone.

September 2017 Scores - EQ 788 | TU 788 | EX 790 | ~~Started Gardening Again on March 21, 2017
Message 11 of 51
Contributor

Re: July 2015 Check-in Thread

Quick check in for July.  Not a whole lot to report.  

 

Last month, I stepped out of the garden to open a Southwest card with my biggest limit yet.  It just got a lot of love on a work trip to Vegas this week.  After purchasing some flights and booking hotels for some upcoming trips, I easily reached my $3K spend and received my 50K points within days.  After the new account reported, I lost a couple points with EX and EQ but regained them at some point later in the month, but GAINED 17 points with TU -- go figure.  

 

Feeling very good about my profile, and continue to be excited to watch my scores grow as my accounts age and report positively!  

 

 

Current scores:  EX 720 (0)  TU 737  (+17) EQ 708 (+0)

Starting Score: EQ 657 TU 627 EX 650 12/2014
Current Score: EQ 747 TU 748 EX 738 3/2017
Message 12 of 51
Established Member

Re: July 2015 Check-in Thread

July 2015 Check In

My current scores are as following:  TU: 603, EX: 626, EFAX 566

GOAL IS TO BE 670 BY YEAR END ACROSS THE BOARD.

I have 3 public records 1) BK will be removed 10/15, 2) judgement $700 will be paidoff by month end will ask to be deleted. 3) judgement its been resolved and its being deleted.

i have the following good accounts all current and never late here are the balance owe and credit cards all with zero balance : auto loan $8700, student loan $23000,  credit cards capital one 1250

capital one 800, best buy $300, discover it $1000, THE following are all new as of june 2015 walmart $600, wells fargo $500, US bank $500, usaa am ex $1000

i have 9 inquiries

i have 3 collections that i have disputed waiting on reply.

i have a repo that age off 5/2016

im stuck with my numbers what can i do to increase my credit score. 

I NEED HELP PLEASE

 

Buying a house
Message 13 of 51
Regular Contributor

Re: July 2015 Check-in Thread

July is off to a very positive start!

 

I completed a rehab agreement to remove my only two lates on a student loan last month and have been waiting for the new scores to report.. Today was my lucky day! 

 

June scores - EQ 653 TU 634 EX 675

July scores - EQ 687 TU 694 EX 675

 

SO. EXCITED. Just last month I posted in the challenge thread that I did not think I could hit my 2015 goal to get 700 across the board, and here I am now, back on the hype train. I also got a couple of CLIs which are going to drive down my util.

 

I'm considering a brief hiatus from the garden if I hit my goal in September, just to refinance my auto loan. I was going to wait a full year, but my scores are starting to look promising enough where I believe I can ditch this 7% interest rate at the 6 month mark and start paying down the principal faster.


~Gardening until April 2017~

Starting Score: EQ 637 TU 623 EX 667 1/6/15
Current Score: EQ 696 | TU 708 | EX 670 1/26/16
Goal Score: EQ/TU/EX 700
Message 14 of 51
Moderator

Re: July 2015 Check-in Thread


IncrsCreditScore wrote:

Wonder what happened to my signature.  All of the cards are gone.


Since you post count is still relatively low, you might not be able to insert HTML in your signature yet.   Just keep posting and you should be able to make your own signature with card images soon



Start: 619 (TU08, 9/2013) | Current: 791 (TU08, 10/26/17)
Sam's Club MC $25000 | Marvel MC $25000 | Macy's AMEX $25000 | AMEX BCE $20400 | Discover IT $20000 | Macy's Store $20000 | Cap 1 QS WMC $17250 | BoA BBR #1 $17200 | JCP $15000 | Citi DC $12600 | Freedom VS $12000 | BofA BBR #2 $11800 | Disney VS $11500 | Care Credit MC $11200 | Cash+ VS $10500 | CashForward WMC $10000 | Barclay Rewards WMC $10000 | WCU Visa $10000 | Amazon Store $8000 | Blispay $7500 | Sony Card $4250 | Target MC $4000 | Costco Anywhere $3200 | ~~Gardening Since 11/2/17
Message 15 of 51
Regular Contributor

Re: July 2015 Check-in Thread

Throwing my name in the Fitness Challenge! My scores starting in June of 2015 were TU 649, EX 632, and EQ 603 mostly due to very hight credit card utilization, inquiries, and new accounts. In the month of June I paid off $3600 in credit card debt and recieved my first $5k card. All accounts haven't updated to show a 0 balance and the new card does not reflect either but I still was able to earn a 13-18 point jump across the board. I have one credit card left to pay off and that is Amazon which shows a balance of $813 and I have a PIF scheduled for July 10th! Goal for this month is another 20 points across the board when all accounts finally update! Gardening until 01/16!!!


Starting Score: TU 649 EX 632 EQ 603(6/15)
Current Score: TU 664 EX 666 EQ 637 (9/15)
Goal Score: 700


Take the myFICO Fitness Challenge
Message 16 of 51
New Contributor

Re: July 2015 Check-in Thread

What's a rehab agreement?
goodcreditgirl1
Message 17 of 51
Regular Contributor

Re: July 2015 Check-in Thread

goodcreditgirl1, it's a contract between you and a student loan servicer that allows you to remove a defaulted status or remove late payments, so long as you make 9 consecutive payments on time. Let's you "rehabilitate" a negative status on a student loan. Hope this helps! Smiley Happy 


~Gardening until April 2017~

Starting Score: EQ 637 TU 623 EX 667 1/6/15
Current Score: EQ 696 | TU 708 | EX 670 1/26/16
Goal Score: EQ/TU/EX 700
Message 18 of 51
New Contributor

Re: July 2015 Check-in Thread

Thank you. I have a friend who has tons of lates (60-120 day delinquencis) who was told that per federal regulations, once a serious delinquency has been reported to the credit bureaus, it could not be removed. I didn't feel like this was true as I've seen people on this forum speak of having student loan items removed. He has since asked for a defrement. Do you know if this agreement works when you have a deferment?
goodcreditgirl1
Message 19 of 51
Regular Contributor

Re: July 2015 Check-in Thread

Not much to report-still trying to pay down cards but not showing much result. My inquiries friquiries from last summer's hail disaster are dropping off  so my EQ score has come up but TU is the same and EX is down. But after 6 months of dropping my UTL by 30% plus I'm still in the 600s.

Message 20 of 51