I just started last week and I am happy to report that I received a letter from a CA agreeing to PFD! Also I was able to lower my util from 62% to 52% so I am hoping once these changes report I will see a nice boost in my score! Credit Sesame has me at 620 but considering SW was so low I doubt thats accurate... We will see!!
NFCU cash $25k | BofA Custom Cash $25k | Amex BCP $18k| Costco Anywhere $14.5k | Apple Card $5.25k | Cap One QS $4.5k | Sephora Visa $4k | Discover It $3.5k | Citi DC $3.5k | Citi AA Mile Up $3.1k | Chase Amazon $3k | Amex ED $3k | Chase IHG $3k | Chase Freedom Unlimited $2.5k | Chase Freedom $2.5k | Citi Rewards $2k | Last HP 8/16/22
hi and happy september. whoops, it's almost october already. i hope all of you are doing well.
my tu went up 1pt to 703 :-) . my exp is still at 611, but it seems there's both 1) not much reporting to them and 2) late payments listed after we were clearly months (and in a couple cases, years) into our ch13. i need to get those taken care of. my eq still hovers at 693. besides cleaning up the ex stuff, i might request a cli on my bofa secured visa. we'll keep trying to build up our savings for downpayments on replacements for both our cars early next yr once our ch13 is discharged.
my tu went up 1pt to 703 :-) . my exp is still at 611, but it seems there's both 1) not much reporting to them and 2) late payments listed after we were clearly months (and in a couple cases, years) into our ch13. i need to get those taken care of. my eq still hovers at 693. besides cleaning up the ex stuff, i might request a cli on my bofa secured visa. we'll keep trying to build up our savings for downpayments on replacements for both our cars early next yr once our ch13 is discharged.
Ch13 filed 3/2009 : discharged 1/2014
Almost forgot to check in for the month! Inq's from my GE crazed spree of last year have now aged with the remaining aging next month. I was added as AU on DHs CSP, Delta and Explorer last month but I'll remedy the loss of AAOA with an Amex app in Jan since my MSD is 1985.
TU has crept up to 742, highest to date but I fear it will tumble a bit when then new accts report. Next few months, I will continue to pay down debt from my last two vacays and plan for int free holiday shopping.
TU has crept up to 742, highest to date but I fear it will tumble a bit when then new accts report. Next few months, I will continue to pay down debt from my last two vacays and plan for int free holiday shopping.
Well, it has been a long summer and last two years. Completed my RN program without accruing any new debt. I had serious credit issues and no means to fix them. So my credit score was EQ 525; lots of cleaning and EQ 622 as of today. Still working on getting my debt to credit ratio down; which is previous student loans. Unfortunately, the credit utilization on the is 76%. So my plans are to start paying anything on them WEEKLY; small steps add to big gains. PS just got a quicksilver from capital one; ironically, I never had a credit card, because i always paid cash for what i wanted.
Keep going; nothing happens overnight. Be patient and persistent!
Hey everyone, I'm starting this challenge and hopefully by next year IM in the overall 650+ range. I've seriously learned everything I know now from this site... And I started with a very small amount of knowledge in this department. They should of had a class in highschool for this subject and I would of done a lot better back then to be at a better place now, but oh well. I will work hard on gardening and removing baddies to meet my goal and I like to thank everyone who has been more than helpful with informing me on this subject.
I am late to the game for this year's challenge.
I started my efforts to get my credit life in order in June. Even though I have had professional help I am satisfied with what I consider remarkable success in reaching my goals. Only a few remaining neagtives and I do not foresee anything problems in their approaching disappearnce.
I just wanted to publicly state things are getting better, stop lurking so much, partcipate and perhaps contribute to the community.
I was estimating my score changes based on prior history on my score. I figured that I will probably only get to 765 instead of my original target of 780 this year. It depends on how accurate I am on my predictions. 
That said, I should be able to hit 780 a year from now... just by keeping my nose clean and letting my accounts age. That said, I apparently missed out on one credit card reporting a higher balance that it actually had. It didn't see the payment I made the day before so my utilization appreared to be higher and thus my score didn't drop like I anticipated. So now I have to wait for the card's next month reporting cycle for it to show that I have made a serious dent in the balance.
I estimate that I can be credit card debt free about the middle of December provided I don't spend too much on Christmas presents. Or at the very least I will be under my target of 1-2% utilization. I've been throwing everything I can at debt reduction. Once that is done I will have some flexibility as this will free up my debt payments so I can add to my savings instead and build a rainy day fund and save for some home improvements next spring.
Starting Score: EQ 732 October 2007; Current Score: EQ 839; TU 865, July 2022;
Hi all,
----You all have been a true motivation for me! Thanks...
I was hoping to find the October check-in thread, but I guess my update will be fine here as I just joined a few days ago.
Background--I am trying to purchase, build, and move into my first home (USDA) before December 2014.
I am trying to clean up my credit and get my score to 700 so there are NO questions around approval.
September Progress
IRS Lien Paid/Released- 9/17 sent lien withdrawal to all 3 CRA- All but EQ have removed it
MD Tax Lien Paid/Released- 10/1 sent GW BEGGING for it to be removed
Victoria's Secret- sent GW letter to remove 2 30- lates for 2011
Sent TU dispute for all report innaccuracies
Scores boosted 8/13-10/13 EQ: 603 to 639 TU: 555 to 583 EX: 592 to 617
Victoria's Secret- CLI from 100 to 300
Cap1 Platinum- CLI from 500 to 750
New Cap1 Journey Card- $1000 CL
Berks Credit & Collection- GW letter to delete account from 2012 (paid 8/13)
RA Rogers- GW letter to delete account from 2012 (paid 8/12)
Credit Control Corp- GW letter to delete account from 2010 (paid 6/12)
Next Steps
$2700 Fairfax County Judgement- pay before 11/30, then file motion to vacate
$6800 Calvary Recovery- Set up payment arrangement before 12/30
Keep credit card utilization under 10% and start using the ones I haven't touched in a while
Review Experian report (update inaccuracies)
Continue sending GW removal letters
Good luck all--I will be checking in again when the October check in thread is added!
012019 Fico8/Mortgage Score: 
