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March check-in thread

Established Contributor

Re: March check-in thread

Just testing my new signature. Smiley Happy

 

Just PIF all my credit cards two days ago.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
New Member

Re: March check-in thread

Since the last check-in, I was able to pay off a personal loan that had a balance of approx $2600. However, I'm still waiting for it to reflect on my credit report.  I have managed to reduce my total debt from 13k to currently 5k.  My scores haven't changed since these payoffs and I'm starting to get discouraged.  My credit score has been at 637 with the items reporting at paid in full/zero balance.  I'm hoping that my scores will increase this month, even if's just 1 or 2 points.

 

In the meantime, I'm maintaining the balances I currently have by paying on time and not increasing my debt.  I still have a long way to go, but I'm staying positive. I didn't get into debt overnight and I surely wont get out of debt overnight.

 

HOMEOWNERSHIP IS ON THE WAY......SOON!!!!!!!Smiley Happy

Starting Score: 637
Current Score: 637
Goal Score: 700


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Established Contributor

Re: March check-in thread

I just got a 14 pt bump in my score! 29 pts in 3 weeks! Whooo!


Starting Score: 515
Current Score: EQ08 711 EX08 731 TU08 735
Goal Score: 740+

Amex BCP $25k | Discover IT $15.7k | Cap 1 QS $10k | PSECU $10k | Citi DC $9300 | Citi DP $6800 | Barclay Ring $6500 | PayPal Extras MC $5045 | DCU $5000 | Chase Slate $5000 | Barclays AA $4100 | Chase Freedom $4000 | Union Plus $1000 | Target $500
New Member

Re: March check-in thread

March Update:

Starting $19571 in CC debt. $18240 as of 3/9.

 

$16900 @ 19.99%. $14760 @ 16.24% Called and got a 3.75% rate reduction.

$2671 @ 0% acct until the end of June. $3480 with another 0% transfer

 

Mortgage @ 5.5% until June. 

 

All in all, I'd like to raise my score by 37 points to 740 by the end of the year. No change, still @ 703


Starting Score: 703
Current Score: 703 (2/28/13)
Goal Score: 740 (end of 2013)


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Established Member

Re: March check-in thread

Hello Fellow Challengers,

 

I am so encouraged after reading the posts. I am working on paying off one of my credit cards in full this month (5 will remain). I am using the snowball method and I am finally beginning to see my snowball get bigger and take shape. I am so motivated to be debt free. I would like to pay down a large portion on credit card #5 because it has the highest interest rate at 27.99%.  I have grown to hate that card and the bank its through. All the more reason I want to eliminate it. I feel like my new home will become a reality sooner than I think. Good luck to everyone.


Starting Score: 615
Current Score: 632
Goal Score: 742


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New Visitor

Re: March check-in thread

FICO score up just over 200 since April 30. Final goal is obtaining home loan approval and beyond. Did it all by paying down balances and waiting for old mistakes to age on report. Sometimes the important thing to remember is take care of business and have patience...and do not fall back into old habits.
Moderator Emeritus
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Re: March check-in thread

New Member

Re: March check-in thread

NEWBIE here but March has been a good month for me thus far, I have roughly 3800 in revolving debt and one delinquent bill from ages ago so this month I paid 1900 towards those bills and closed that old bill I am hoping this will give my score a little kick in the bottom! This site is great and I am excited to be a part of it!

 

Noah

Starting Score: EQ FICO 602 TU FICO 625
Current Score: EQ FICO 602 TU FICO 625
Goal Score: 750+
Valued Member

Re: March check-in thread

March has been good to me! My score is up thanks to decreased utilization. Sending out some goodwill letters soon!Smiley Very Happy


Starting Score: EX 610 TU 680
Current Score: EX 657 TU 710
Goal Score: Overall 750


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Valued Member

Re: March check-in thread

It's exciting to see it go up! The little things in life Smiley Happy.


Starting Score: EX 610 TU 680
Current Score: EX 657 TU 710
Goal Score: Overall 750


Take the myFICO Fitness Challenge