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The MyFICO Forums 12 Step Program (For FICOholics)

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tcham54687
New Contributor

Re: The MyFICO Forums 12 Step Program (For FICOholics)

Man, I am fighting the urge to pull another credit report. Haven't pulled a new report or gotten a SW alert for about 4 days and the withdrawal is killing me.
 
My reports have been in a constant state of change for the last 3 weeks. Now that I'm down to the last couple baddies the change has slowed and I don't need to pull reports as often. So I've promised myself I won't pull another report til the end of the month, by then there should be something to see. I have TC, but there is nothing like seeing the actual FICO score go up.
APR 25, 2008 FICO TU:668/EX:654/EQ:642
Jun 05, 2008 FICO TU:698/EX:697/EQ:709
Aug 01, 2008 FICO TU:724/EX:741/EQ:749
Mar 15, 2013 Fico TU 725/EX 677/EQ/735 (EX has a $60 collection...#$%^ me)
Apr 7, 2013 FICO TU 756/EX 747/EQ 771
Message 61 of 91
marty56
Super Contributor

Re: The MyFICO Forums 12 Step Program (For FICOholics)

I have National City Identity Protect (TC) and I use TC to check when my CC balance is reported so I know when to pull my scores here.  TC used to show the date the account was last updated but it doesnt anymore.
1/25/2021: FICO 850 EQ 848 TU 847 EX
Message 62 of 91
mrlimo
Regular Contributor

Re: The MyFICO Forums 12 Step Program (For FICOholics)

Just curious, If I submit my app for FICOholics will there be a hard or soft pull of my CR's? Is there a minimum or maximum fico score required to be a member?
 
if not.....
 
Hello all I am Brian and I am a FICOholic. First steps to recovering from FICO point abuse.
 
 
Bahahah LOL!
Message 63 of 91
MidnightVoice
Super Contributor

Re: The MyFICO Forums 12 Step Program (For FICOholics)



mrlimo wrote:
 
 Is there a minimum or maximum fico score required to be a member?



Scores over 850 are banned  Smiley Happy
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 64 of 91
BungalowMo
Senior Contributor

Re: The MyFICO Forums 12 Step Program (For FICOholics)

Hello, I'm BungalowMo, and I'm a FICOholic.  I joined here May 1st, 08, but had been watching and repairing my credit for nearly 4 years.  Sure wish I'd know about this forum & PFD's back then Smiley Sad
 
Now for that FICOtini!
 
Get blender...
5 parts prime cc's
1 part lo int loan
1 part 1-9% util
1 part mortgage
20 parts pays as agreed
1 part removed Cap 1 C/O
 
Add ICE (incredible credit education)
Blend vigorously
 
Get chilled FICOtini glasses from freezer (no fun toasting alone!)
Rim with SATL (sensational aged trade line)
 
Strain blender contents into chilled, rimmed glasses, garnish with lime & Cheers!!!!
BK 7 discharge 06.24.2020 No Fico score at all. Smiley Sad
Message 65 of 91
tcham54687
New Contributor

Re: The MyFICO Forums 12 Step Program (For FICOholics)

So how the heck do I get my util down if I can't stop buying fico scores. I'm down to one per week, but man, it's hard!
 
The instant gratification of seeing a score bump feeds right into my OCD! I'm down to three accounts that have any movement. I could twice a month and see pretty much the same result, but I'm a Fico junky!
APR 25, 2008 FICO TU:668/EX:654/EQ:642
Jun 05, 2008 FICO TU:698/EX:697/EQ:709
Aug 01, 2008 FICO TU:724/EX:741/EQ:749
Mar 15, 2013 Fico TU 725/EX 677/EQ/735 (EX has a $60 collection...#$%^ me)
Apr 7, 2013 FICO TU 756/EX 747/EQ 771
Message 66 of 91
MidnightVoice
Super Contributor

Re: The MyFICO Forums 12 Step Program (For FICOholics)

Bump for _andClimbing
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 67 of 91
_andClimbing
Contributor

Re: The MyFICO Forums 12 Step Program (For FICOholics)


@MidnightVoice wrote:
Bump for _andClimbing





Thanks, MV. That first post has me DYING laughing!
5/11/08 FICOs: EQ - 551
8/6/08 FICOs: EQ - 659, EX - 663, TU - 683
Message 68 of 91
Anonymous
Not applicable

Re: The MyFICO Forums 12 Step Program (For FICOholics)

I'm in exactly the same place! I started this journey on 7/2 and bought several scores, wasting a few last month. So far this month, I've only bought each bureau once and am anxiously waiting for things to update to buy another.
Message 69 of 91
brownee
Frequent Contributor

Re: The MyFICO Forums 12 Step Program (For FICOholics)

Oh, this thread is hysterical. I've repeated all of the *steps* to myself and am thinking of making myself a FICOtini this fine Tennessee morning..LOL.
7/7/09 TU: 630 EQ: 638 EX: ??
4/3/09 TU: 599 EQ: 606 EX: ??
Message 70 of 91
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