11-20-2013 02:05 PM
Took me 3 hours to read these 45 pages, but it was well worth it. Thanks for this awesome thread.
11-20-2013 07:20 PM
Hey, I just realized that I am back "in the club" as of last week. Hi y'all.
11-20-2013 08:52 PM
Howdy Kratos and Roar:
Good jobs. Keep up the monitoring of your spending habits; it'll pay off with somewhat lower interest rates.
I'm back to thinking of refinancing but hate watching my FICO scores go down.
Latest, per LO: EQ = 801; EX = 803; and TU = 782 (lowest, as usual)
11-21-2013 08:45 AM - edited 12-26-2013 10:56 AM
Past Due Accounts - 0
History - 25.7 Years
Average Age of Accounts - 6.5 Years
Negative Accounts - 1 30 day late - EX 6.4 years old
Revolving Account Balances - $102 (<1%)
Mortgages - 1
Installment Loans - $26,942
Accounts - 29
Accounts with Balances - 2 (1 is amex charge)
Accounts new in the past year - 3
Recent Inquries in last year - 6 - EX; 0 - EQ; 2 - TU
Collections - 0
Public Records - 0
11-21-2013 08:54 AM
Whoohoo! I'm back in the club. Just got a ScoreWatch alert saying my EQ FICO went from 756 to 777 (lucky number!).
I was briefly in this territory early this year, then I got some new cards and ran my util to 30%, which put me back down in 720-730 range. In the last month I've knocked the util way down. The 756 was with 16.4% util and two cards reporting balances. Now the 777 is the result of 10.3% overall util and only one card reporting a balance.
By this time next month, my util will be similar to what it is now, but I may have two cards reporting, so it'll be intresting to see how many points I lose just for the small balance on that second card.
Nice to get to be a high achiever again.
11-21-2013 08:59 AM - edited 11-21-2013 09:02 AM
12-22-2013 08:23 AM
Your FICO® score has gone up to 809 on December 22, 2013.
Now I have two Agencies reporting above 800... EQ today at 809, and TU (walmart) at 821... Low score is EX at 788