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Senior Contributor
Posts: 5,758
Registered: ‎08-04-2014

Re: March Check In Thread


drjones wrote:

In the past month, I've raised my FICO from 580 to 685, by removing all 5 of the collection accounts on my report, and dropping credit util from 99% to 22%. To top it off, I was just approved for a Chase Sapphire Preferred and an Amex Blue Cash Preferred!

 

It's been a hell of a month! I've been eying those cards for a long time.

 

I'll be gardening now for 6 months, until I request a CLI on the CSP, then continue gardening the rest of the year. Meanwhile, I'm hoping to get SP CLIs on my WF Platinum and Amex BCP. Hopefully I can also take care of the late payments still on my report and continue moving on up past 700.

 

 


C O N G R A T U L A T I O N S on your score increase, approval for your credit cards, and reducing your utilization!!! As your late payment ages, it will have less and less impact on your FICO scores. Don't forget that you can request 3X CLI on your Amex card in 61 days. Keep up the good work!!!

Gardening since 09/28/16 Gardenversary 09/28/17 Score: 09/15/16 EQ 772 TU 783 EXP 779
Current Score: 779
Goal Score: 800
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Re: March Check In Thread


jai8694 wrote:

I'm just checking in for the month. Still fairly new to credit building but excited none the less. I noticed my mindset has changed since Ive started being active here. I actually spend ALL my free time combing through reports trying to make sure nothing else gets added( it did) and writing letters to medical collectors and sending in payments that are comfortable for me and my income..all to prevent ANYTHING from hindering my progress. I did have a setback a few days ago when I saw a new collection added to my EX. It says its from Comcast but thing is I've never had comcast...I'm an ATT person. Well I am on top of it with writing my letter to CA to get that disputed. I also received another letter from someone else whom I have no idea for offering to settle for me. A letter went out to them same day. I am not playing with debt anymore...legitimate or not. I am staying on top of it and requesting information when I dont recognize instead of having things added my report in error or stupidity. I promise it seems the minute you get serious about debt and payoff all the crap you owe and get those collections taken care of the COLLECTION GODS find out and EVERYONE you ever done business with starts coming out of their hiding place! But I'm staying focused...this forum has done wonders for my self esteem in regards to credit. I literally eat, breath, sleep "credit" and what I can do to improve my standing. Not numbers so much but rather learning good habits.


Hello jai8694!!

 

I totally agree that being a member on this forum gives you a whole new outlook on debt and credit cards. You are on a roll with writing all of those letters. Good luck!!! I'm looking forward to reading your April update.

Gardening since 09/28/16 Gardenversary 09/28/17 Score: 09/15/16 EQ 772 TU 783 EXP 779
Current Score: 779
Goal Score: 800
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Senior Contributor
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Registered: ‎08-04-2014
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Re: March Check In Thread


ClixT wrote:

Checking in for March! So far so good, paying down my debt, slowyly but I'm getting there.


Slow and steady wins the race!!! Good luck on your progress!!

Gardening since 09/28/16 Gardenversary 09/28/17 Score: 09/15/16 EQ 772 TU 783 EXP 779
Current Score: 779
Goal Score: 800
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Re: March Check In Thread


shphoto wrote:

In February I was able to accomplish one of my goals for the year!  Got an auto loan for a good rate from DCU and traded in my dying 15 year old car for a 2 year old Subaru that I love!   Also added more money to my savings and paid another chunk off credit cards.    

 

For March I will keep adding to savings, keep paying on the cards, and make my first car payment.  Gardening until summer then I will app for a rewards card.

 

Best of luck to everybody for the month Smiley Happy


C O N G R A T U L A T I O N S on your new auto loan, adding more money to your savings, and paying off/down credit card debt!!! Heep up the good work!!

Gardening since 09/28/16 Gardenversary 09/28/17 Score: 09/15/16 EQ 772 TU 783 EXP 779
Current Score: 779
Goal Score: 800
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Re: March Check In Thread


md2344 wrote:

I've been away for 2 years.  I just started to work on my credit report again today.  Hopefully I can get some things cleaned up on the report and get these scores to rise.


Good luck md2344!!!

Gardening since 09/28/16 Gardenversary 09/28/17 Score: 09/15/16 EQ 772 TU 783 EXP 779
Current Score: 779
Goal Score: 800
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Re: March Check In Thread


ndmdl3 wrote:
March...it has been a struggle to keep my scores from dipping. I am trying to improve not only my scores but my credit in general. I have been working on clearing some collections as well as reducing the balances on my credit cards. I am currently working on obtaining a 30% utilization rate.

I was able to get my car payment caught up with Capital One but the interest is killing me. I can't trade it because of my credit and I am so far underwater on it. So working to increase my credit ratings. Then my secondary goal is to increase my scores to qualify for a mortgage so that I can fix up my house. It was a foreclosure purchase that needs a little work. A long way to go...

Hello ndmdl3! I'm sorry to hear that you've been having a difficult time. Stay positive and encouraged!! Good luck!!

Gardening since 09/28/16 Gardenversary 09/28/17 Score: 09/15/16 EQ 772 TU 783 EXP 779
Current Score: 779
Goal Score: 800
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Registered: ‎08-04-2014
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Re: March Check In Thread


RecoveryBound wrote:

Good morning!  Checking in for March, didn't in Feb but my other half is doing a lot more work.

 

Just checked today after an alert and got a 34 point bump on EX 627!   EQ is also showing me at 600 now!  TU didn't update yet.

 

Feb opened a Credit One VISA, $300.  Also have CapOne Plat $300 and CapOne QS $300 both in Step Program.  

 

Bump was result of CreditOne reporting $75 balance and now reporting $0...........they bumped me yesterday from $300->$500 without asking.

 

CapOne balances reported on both in Feb and that got a small score increase then too..........statement is 3/14 and both PIF to report $0 this month.

 

Fingerhut raised me from $500 -> $1000.  Let balance report in Feb which will now report 0 for March with the CLI when they report.

 

The Mrs has had huge credit growth and put me on as AU for some, not reporting yet.  When they do will have Amex PRG nsl, USAA Visa 1500, Kay Jewelers $6000, Amercan Eagle $650 for now.

 

She will also add me to another higher limit just deciding which one, prob BJs Perks @ $4000.

 

Cap One Steps I think for me is July ;  hoping they bump early like others are seeing on the forum since using and paying heavily few times per month.

 

No new apps for me on the horizon.   She is now getting down to business to clean up the baddies for both of us.  In the fall should both be in good shape with those plus building a record of payments.

 

i have very few inquiries so plan is for me to hit Barclays as my first new try around September......since they are inquiry sensitive, they will be first and I should be close to or at 700 after the clean up.  My last app 1/27/15.

 

The Mrs is now officially in the garden too and has made huge leaps in available credit due ot this forum!

 

Hoping to see spring here in PA very soon.............enough cold and ice already!!!!

 

Good luck everyone!!

 

 



RecoveryBound wrote:

Good morning!  Checking in for March, didn't in Feb but my other half is doing a lot more work.

 

Just checked today after an alert and got a 34 point bump on EX 627!   EQ is also showing me at 600 now!  TU didn't update yet.

 

Feb opened a Credit One VISA, $300.  Also have CapOne Plat $300 and CapOne QS $300 both in Step Program.  

 

Bump was result of CreditOne reporting $75 balance and now reporting $0...........they bumped me yesterday from $300->$500 without asking.

 

CapOne balances reported on both in Feb and that got a small score increase then too..........statement is 3/14 and both PIF to report $0 this month.

 

Fingerhut raised me from $500 -> $1000.  Let balance report in Feb which will now report 0 for March with the CLI when they report.

 

The Mrs has had huge credit growth and put me on as AU for some, not reporting yet.  When they do will have Amex PRG nsl, USAA Visa 1500, Kay Jewelers $6000, Amercan Eagle $650 for now.

 

She will also add me to another higher limit just deciding which one, prob BJs Perks @ $4000.

 

Cap One Steps I think for me is July ;  hoping they bump early like others are seeing on the forum since using and paying heavily few times per month.

 

No new apps for me on the horizon.   She is now getting down to business to clean up the baddies for both of us.  In the fall should both be in good shape with those plus building a record of payments.

 

i have very few inquiries so plan is for me to hit Barclays as my first new try around September......since they are inquiry sensitive, they will be first and I should be close to or at 700 after the clean up.  My last app 1/27/15.

 

The Mrs is now officially in the garden too and has made huge leaps in available credit due ot this forum!

 

Hoping to see spring here in PA very soon.............enough cold and ice already!!!!

 

Good luck everyone!!

 

 


Thank you!! Keep up the good work!!!

Gardening since 09/28/16 Gardenversary 09/28/17 Score: 09/15/16 EQ 772 TU 783 EXP 779
Current Score: 779
Goal Score: 800
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Regular Contributor
Posts: 111
Registered: ‎02-06-2015
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Re: March Check In Thread

TU approved my request for EE on 4 collections/chargeoffs that were set to fall off in the next 2-4 months. Bumped TU score 18 points.

 

Pulled some numbers as a big part of my goal is getting my middle mortgage score above 640 by June for a USDA application.

TU 682 (3/7/15)

EX 656 (2/24/15)

EQ 635 (3/6/15)

 

Very happy - this means I will be able to meet my mortgage score goal. 

Last App: Feb 2016. Gardening until Feb 2017.


Bank card total CL: $16,450 | Store card total CL: $4,500

Ch 7 BK discharged 8/2011

Valued Member
Posts: 29
Registered: ‎09-08-2014
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Re: March Check In Thread

 

I made some progress on reducing my debt and improving my CU.  I went ahead and move $3500 to my Discover card which will have 0% interest for 12 months.  I paid down the remaining on my Bank of America card and I now have approx. $1,100 left.  This will be paid off in 2 weeks and then I'll work on the balance transfer I sent to Discover.  The effect of the balance transfer took a little while to show up.  TU hasn't updated so its showing my full BoA balance + the amount I transferred to Discover causing a UTI of 16%.  Realistically, my UTI is is around 7% and when I pay off BoA, it will drop to 4%.  

 

I still have 1 late payment (30 day) on my Capital One that was on 2/2009.  I sent several goodwill letters to Capital One but keep getting letters saying that the information is accurate so they are not willing to remove it from my credit report.  I've read that Capital One is very hard to get to do goodwill adjustments.  By February 2016, the late payment will fall off anyway but would be nice to have it removed early.  I'm so close to the 800 club!!!!!  Can't wait.

 

Once I have all my credit cards paid off, I may let some report to the CR's with balances.  I've been paying everything I charged almost immediately so they are reporting $0 balances.  I've heard that this may actually hurt my score.  I'll test this out when I get Discover paid off - should be in 2 months.

 

To everyone on the forum, I praise you for taking the FICO challenge.  I've been in the same situation where I had bad credit due to poor decisions.  It's been a long road to get where I am today but well worth it.  You will definitely find support on this forum.



Starting Score: EQ:761 TU:764 EX:762

Current Score: EQ:831 (4/1/17) TU:819 (3/31/17) EX:814 (3/31/17)
Goal Score: 825 across the board
Member
Posts: 5
Registered: ‎11-14-2014
0

Re: March Check In Thread

Yahoo!  Opened a $500 secured credit card with Open Sky. Just doing that one thing, along with adding one more month of aging, has made a huge differece.This stuff really works!!

 

 My scores went up:

 eq +52

 Trans + 41

 exp. + 19

 

Will continue to focus on paying down debt, reading others posts to get more creat ideas and following the advice of this site. 

 

THANKS TO GOD, MyFico, and ALL OF YOU OUT THERE THAT TAKE THE TIME TO POST AND SHARE YOUR STORIES !!!!

11.2014.608.617.619
moving on up

Starting Score: 608
Current Score: 617
Goal Score: 619


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