topic Re: Happy Dance in Understanding FICO® Scoring

Happy Dance

Anonymous — Thu, 25 Mar 2021 17:31:21 GMT

In 2014 I was up to my ears in debt. I just paid off all my credit cards two weeks ago and only have a car loan and mortgage payment. I never thought I would see this day. Now to be able to retire in 2025, I am going to start stashing my pathetic 401K.

MyFICO really has helped me over the years and always will be appreciative of everything I learned in here.

Re: Happy Dance

Anonymous — Thu, 25 Mar 2021 17:37:07 GMT

Good for you, and good luck moving forward! : )

Re: Happy Dance

AllZero — Thu, 25 Mar 2021 18:24:13 GMT

Congratulations on your success! Your score looks excellent.

Re: Happy Dance

M_Smart007 — Thu, 25 Mar 2021 19:52:39 GMT

Awesome ... Congrats! ..

Re: Happy Dance

Mr_Mojo_Risin — Thu, 25 Mar 2021 19:57:27 GMT

Great success story here! I love to see it. MyFICO making dreams come true!

Re: Happy Dance

Msjonesclt — Sat, 27 Mar 2021 13:39:32 GMT

Awesome. Congratulations on your progress.

Re: Happy Dance

disdreamin — Sun, 28 Mar 2021 21:02:06 GMT

@Anonymous wrote:
In 2014 I was up to my ears in debt. I just paid off all my credit cards two weeks ago and only have a car loan and mortgage payment. I never thought I would see this day. Now to be able to retire in 2025, I am going to start stashing my pathetic 401K.

MyFICO really has helped me over the years and always will be appreciative of everything I learned in here.

I'd be updating that signature with that beauty! Congrats!!

Re: Happy Dance

Anonymous — Sun, 28 Mar 2021 23:40:57 GMT

Very cool, congrats OP!

Just curious what caused the 17 point jump? I was guessing maybe AoYRA reaching 12 months, but it would be nice to know what somewhat major change allowed you to pin the needle.

Re: Happy Dance

Anonymous — Mon, 29 Mar 2021 15:04:50 GMT

I definitely do need to fix that. It's way outdated.

Re: Happy Dance

Anonymous — Mon, 29 Mar 2021 18:20:59 GMT

I had consolidated some debt into a credit card with 0% APR and really hit it hard making large payments for the past 2 years. I got a decent bonus that paid off the rest of the debt so now I have less than 1% debt in cards (it's my credit union credit card that I will easily pay down the next couple of months now). Other than our house payment and car payment and other monthly bills like utilities and cell phone, I do not have to pay finance charges on any other debt. Now to look forward to retirement and hopefully build a nest egg now that I wasn't able to do until now.

Thank you to everyone who took the time to reply.

Re: Happy Dance

SleeplessinMA — Tue, 30 Mar 2021 03:43:24 GMT

@Anonymous

Congratulations on your success!