Getting discouraged. !!UPDATE!! 683 EX. Had to wait until the first!

[Grafton88]

I too had the long wait.  I got my first card in March and had to wait until October to get my score.  However I was pleasently surprised at my score.

Keep your balances low.  You will have to also be patient while your AAoA goes up.  Set your monthly goals to pay things on time and your scores will follow a gradual path upward.

Good luck.

[NRB525]

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@Anonymous wrote:
I'm over the temporary discouragement. Just gets frustrating sometimes especially when hubby is knocking on 700s. We also planning on cancelling Credit One in April but want me to have a score before then

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I'd suggest closing Credit One now. Or at the very least, game their statement costs so you don't pay any more fees. The momentum you have built up, with all those Capital One accounts and FH, will be a flurry of credit reporting activity very soon.

As others are noting, don't try to put a specific date on any credit reporting or bank responses. Credit is a marathon.

Good luck!

[Anonymous]

Credit One has had a zero balance since November, and I have it set to email the balance daily so they can't surprise us with unexpected/bogus fees. We will cancel it well before the annual fee kicks in again in September.

[Anonymous]

Hang in there. In today's world we all want that instant gratification. We all feel like I took care of that and hay it's isn't even showing up yet. Six months can make a lot of difference.