Regular Contributor
Posts: 144
Registered: ‎06-28-2012
Re: Had to come to a realization tonight.
[ Edited ]

This is such a great topic. I went through this in 2002 and again in 2007, as I also was a slow learner. I am finally getting back to where I can be approved and it feels great. Knowing that I didn't want a round three of lates, chargeoffs or collections ,  decided to join this forum and take control of my financial issues!


When I joined my cc uti was probably 75% or so on some months and 0% on others. I've learned to pay it down and I will make controlled strategic purchases. Right now my uti is about 21% and by the end of the year it will be 7-9%.


A lot of knowledge is to be gained and sadly you have to budget like a ninja <---as my hubby puts it! Smiley Surprised) Always preparing for accidents, job loss, vehicle issues and other mishaps.


Good luck to you and I agree a program that indicates when you have gone too high is always good. I write mine down and keep track that way...for some reason pen to paper helps me remember better.

Starting Scores:
Lender Pull 7/10/2012 EQ 585 EX 617 TU 551
8/2012 MyFico EX 598 01/2013 EX 608 2/2013 EX 620 Smiley Surprised)
9/12/2012 624 (Fico Discover)
02/7/2013 660 (Fico Wally)
At least I'm heading in the right direction!!!

Goal Score:740+, home loan and Get rid of subprime cards!!!