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Regular Contributor
Posts: 106
Registered: ‎01-06-2015
0

Re: July 2015 Check-in Thread


goodcreditgirl1 wrote:
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?

I'm not sure how it works when a loan is in deferment, but have him contact his loan servicer. He will need to be able to make his normal monthly payments during the rehab, so as long as he can do that they can probably accomodate.


~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
Frequent Contributor
Posts: 494
Registered: ‎06-15-2015
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Re: July 2015 Check-in Thread

[ Edited ]

In the last 2 days, 2 of my scores have gone up.  Equifax 10 points, Trans Union 9 points.  I have no clue why but I hope Experian follows.  I wish when changed occurred it would tell you why.  All my alert says is it increased.   Hopefully the increases continue, we are hoping to be in a house before Christmas. 

 

 

EQ: 672

TU: 688

Ex.  678

current Fico scores EQ: 744 TU: 781 EX: 761
New Member
Posts: 1
Registered: ‎07-05-2015
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Re: July 2015 Check-in Thread

Noooo more apps for me!
P.S. I'm new here.. so yeah... heeeey
Frequent Contributor
Posts: 494
Registered: ‎06-15-2015
0

Re: July 2015 Check-in Thread

How much does a score typically go up after an inquiry drops off?

current Fico scores EQ: 744 TU: 781 EX: 761
Established Member
Posts: 31
Registered: ‎04-05-2013
0

Re: July 2015 Check-in Thread

EQ 603 

TU 603

EX 594

 

I'm not really sure what else I can do, to be honest, with the exception of keeping up with my payments.

 

I'll most likely send out GW letters again this Friday and see if anyone bites down on it.

 

Gotta pay the rest of my taxes owed this Friday as well, but that has nothing to do with my score. Kinda sucks that all this money is being handed to the government because my checks weren't properly adjusted for it. 

 

Once that is done, no more of that shenanigans lol


Starting Score: 569
Current Score: EQ612, TU615, EX594
Goal Score: 650+ Across The Board


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Frequent Contributor
Posts: 494
Registered: ‎06-15-2015
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Re: July 2015 Check-in Thread

I keep,seeing these garden comments? What does this mean?

current Fico scores EQ: 744 TU: 781 EX: 761
Frequent Contributor
Posts: 333
Registered: ‎03-19-2008
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Re: July 2015 Check-in Thread

I've seen some increases in my scores.  I'm waiting for a payment to apply to one of my credit cards and then I will have paid off all of the credit cards I intended to this year.  However, with opening new cards and taking advantage of spend bonuses, cashback categories and balance transfers, I now have three credit cards carrying a balance.  One has no interest until next April, another has no interest until November and the other only has the balance transfer on it which is 0% for 15 months.  However, I will be moving early September so I am trying to save money for rent, deposit and moving truck.  So where I could pay the cards off in a couple of months, I will take longer since my money needs to be spent elsewhere.  I should have no trouble being credit card debt free by the end of the year and then I'll be saving for a debt free vacation in April/May.  When I get back from vacation, it's on to paying off my student loans!

 

 

 

 

 

Re-entered the garden on 12/30/15 Seriously, I need to stop leaving!
Starting Score: EQ: 706 TU: 707 EX: 674 (on 1/3/16)
Current Score: EQ: 713 TU: 701 EX: 679
Goal Score: EQ: 720 TU: 720 EX: 690


New Member
Posts: 4
Registered: ‎07-06-2015
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Re: July 2015 Check-in Thread

Smiley Happy New here and wanted to say HI. I am happy to be here and look forward to a better score. Wish I had thought about my credit years ago.


Starting Score: July 07 2015 Eq. 612 Tu 604 Ex 607
Current Score: Oct. 2015 Eq 634 Tu 643 Ex 634
Goal Score: 750


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Valued Contributor
Posts: 4,493
Registered: ‎11-28-2014
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Re: July 2015 Check-in Thread

Here also!  Think I got that 8 month itch out of my system!  Smiley Wink


FICOS: EQ-812 TU-811 EX-818 Goal - 840-850 Across The Board
Total Credit Lines - 506K Gardening....
"I am the master of my fate and the captain of my destiny" Nelson Mandela
Contributor
Posts: 106
Registered: ‎03-11-2007
0

Re: July 2015 Check-in Thread

Checking in for July...

 

Got a 6 point bump from TU but it's still my lowest of the 3 scores.  Put myself in the Garden as well so I can tend to the 5 new accounts that should be reporting sometime this month!


Starting Score: 510
Current Score: 616
Goal Score: 650


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