topic Re: September 2024 Check-In Thread in Take the myFICO Fitness Challenge!

September 2024 Check-In Thread

Kenny — Sun, 01 Sep 2024 01:42:15 GMT

I know you are all hard at work with your credit goals. Have you progressed as far as you hoped? Were there any unforeseen expenses that cropped up and may have thrown you off schedule?

As a reminder, participation in these monthly check-ins are optional but encouraged. The goal is to help keep you on track, so feel free to post your progress updates here. This is a no-judgement zone; feel free to say what's keeping you up at night or give yourself a Kudo for having it all together.

Did you hit any potholes or speedbumps? Achieve some milestones, either small or mighty? Change your goals or add new ones?

Let us know how you're doing!

Re: September 2024 Check-In Thread

TrapLine — Mon, 02 Sep 2024 09:28:46 GMT

In reviewing last month's posting, September shapes up to be a quiet no action month.

Would love to see my Fico return to 850 (five years) but it is stuck on 805 Fico 8. Opened several new accounts and banking relationships. Since moving, I planned a different strategy and that caused hard inquirys.

Did refi my auto loan and closed a credit union I never would have had except the auto dealer placed the loan. Usually, I seek out my own financing ... guess I will continue doing the seeking ___!

Fighting off closing some more credit cards as I no longer have the spend to support. Suspect Discover will go when Cap1 is approved for the purchase. Really do not need the Chase Freedom Flex MC but Ultimate Rewards keeps me tethered with a Business account.

See you next month.

Re: September 2024 Check-In Thread

keekers — Tue, 03 Sep 2024 17:45:23 GMT

September looks to be uneventful for me as well. The only noteworthy thing that will happen as of now is the reporting of a new auto loan from a couple weeks ago.

Re: September 2024 Check-In Thread

CaneVariant — Thu, 05 Sep 2024 08:57:27 GMT

Still gardening until May/June 2025. Working on building my savings and relationship with NFCU. Have a great month everyone. Cheers!

Re: September 2024 Check-In Thread

Caramelhunnyva — Sat, 07 Sep 2024 16:20:35 GMT

This month I plan on making an effort to focus on paying off debt, I had made progress, then fell backwards hitting a hump bump in the road..

Re: September 2024 Check-In Thread

LRC — Tue, 10 Sep 2024 19:28:42 GMT

After an eventful summer of paying off debt and new ccs, I'm just gardening this month and for foreseeable future. My scores took minor hits for the HPs and new accounts, as well as closing very small sub-prime accounts. I'm rolling with the punches and just looking to the future.

Right now, the financial focus is on making and saving money. And remembering that making art has many rewards, even though they are not monetary

Have a great September, all!

Re: September 2024 Check-In Thread

Luminosa — Fri, 13 Sep 2024 19:12:26 GMT

Hello, everyone! Happy September.

My EX8 is still at 735, my EQ8 is at 753, and my EQ9 is at 767, which I'm super happy about. i figured out that my scores jumped because the hard inquiry for my SavorOne became a year old in August and is no longer impacting my score (to my understanding). In some other good news, Navy Federal approved a CLI on my cashRewards, so what was a $2,000 limit has become a $3,000 one.

As per usual, I am gardening, though Chase has started offering me cards I'm allegedly "already approved for." I hope to get my EQ9 to 770 by the end of the year, and to get at least one of my scores to 800 by this point next year.

See you all in October!

Re: September 2024 Check-In Thread

denverguy67 — Tue, 17 Sep 2024 14:08:24 GMT

Hello, checking in for September. My goal, which I set through Chase Credit Journey, is to have a score of 721, using Experian Vantage3, by 5/20/25. My current score is 708, up 2 points since August. There are some payments that I made that are not yet reflected in my score. I hope next month to reach the goal.

( The footer information below is outdated, but I can't edit it until I am no longer considered to be a new member.)

Re: September 2024 Check-In Thread

2B770 — Wed, 18 Sep 2024 19:58:27 GMT

I started in 2018 in the low 500's. My issues were worst than most. I paid my mtg and care notes late consistently for 6+ years which means I had over 35 derogs on each credit bureau. I was beyond pay for deletes and good will letters. I simply had to establish new habits and also start new lines of credit and be perfect with those new lines -- which I was. Here we are 6 years later and I am now in my high 700's across the board. I expect to be in the 800s next month or at most by Dec 2024.

I started out with 3 secured credit cards. Citi, Discover, and Capital One. $200.00 credit line each. To date, you can see below where I am with credit lines and utilization. I have gotten ahead of my ski's on one of my Citi cards and I'll be paying that in full before March of next year (not ideal, but it's where i am).

Also I was able to purchase a 2nd home (as a rental) and generally just feel better about myself. All of this is courtesy of MYFICO. It's the best money spent (monthly) to track my scores...but this FREE FORUM has changed my life. thank you to everyone.

#	Card Name	Balance	Credit Limit	Utilization
1	Amex: Gold	$-	$-	charge card, no limit
2	Amex: Platinum	$-	$-	charge card, no limit
3	Amex: Blue Cash Everyday	$-	$1,000.00	0%
4	Citi: Double Cash	$-	$3,200.00	0%
5	Discover	$-	$3,500.00	0%
6	PenFed: Platinum Rewards	$-	$5,000.00	0%
7	Apple	$-	$7,000.00	0%
8	PenFed: Power Cash Rewards	$-	$7,200.00	0%
9	Chase: United Airlines	$-	$14,400.00	0%
10	NFCU: Rewards	$-	$28,000.00	0%
11	Barclays: Hawaiian Airlines	$-	$28,000.00	0%
12	Amex: Hilton	$1,329.88	$8,400.00	16%
13	Citi: Aadvantage	$19,999.56	$35,500.00	56%

Re: September 2024 Check-In Thread

2B770 — Wed, 18 Sep 2024 19:59:12 GMT

good job on where you are now vs where you started (scores)

Re: September 2024 Check-In Thread

denverguy67 — Tue, 24 Sep 2024 14:43:40 GMT

Update: I reached my goal today! I raised my Experian Vantage 3 score from 688 to 721 in 4 months.

From Chase Credit Journey: "You reached your goal early and raised your score 33 points. Way to go! 721/721".

Chase Credit Journey won't give me a new goal, but I think doing these should raise my score to 740.

1. Pay down card with largest balance to 49%. (currently at 73%)

2. Pay down card with 2nd largest balance to 29%. (currently at 46%)

4. Get aggregate balance to 29% of aggregate credit limit. (currently at 33%).

I should be able to do this by 1/1/25. I hereby commit myself to this goal.