On the 27th I thought I re up'd my CCT 3B for $1. Turns out I got bamboozled into the Experian Plus plan. My EX FICO 8 score was 664 or so. Its probably higher now that the remaining TLs I PIF reported.
First time in over a decade I've been over 700. When I began my rebuild journey here last May, I think I was all under 600. My TU FICO on April 27th was 657. Today it's 702, just over a week later.
Y'all watched me reach a milestone today. I am excited.
First time in over a decade I've been over 700. When I began my rebuild journey here last May, I think I was all under 600. My TU FICO on April 27th was 657. Today it's 702, just over a week later.
Y'all watched me reach a milestone today. I am excited.
My EX inq's are up there. About 15 maybe with the two lender HPs. Last HPs before that was back in October. Isn't that a lot for an Amex app?
Also, before I pull credit today, my last PIF account reports on the 5th. Do you think Cap 1 would've reported to all 3 bureaus by now? I'm itching to buy the Ultimate 3B from myFICO right now. I want to make sure the account reported to All bureaus before spending $60.
Also, before I pull credit today, my last PIF account reports on the 5th. Do you think Cap 1 would've reported to all 3 bureaus by now? I'm itching to buy the Ultimate 3B from myFICO right now. I want to make sure the account reported to All bureaus before spending $60.
@Anonymous wrote:
@EmmaGolden wrote:
@Anonymous wrote:FWIW, I got approved for my Amex Everyday card with <650 EX score, 2 unpaid collections, and several lates showing.
What was your SL?
1k and they wouldn't give me an increase until my 2 collections fell off and I got most of the lates cleared up. Still had a few lates though when they finally gave me a CLI. OP only needs $1200 for his BT, so I think he has a chance at a better SL than I had now that his reports are getting better.
Agreed, hoping when he gets a score update that his Ex jumped too. I apped for the BCE with a EX of 640 last month since i saw so many getting in with lower scores. Was denied but the only reason on the denial was credit score. Had a satisfied judgement disappear from my Ex & my score jumped 91 pts. Still waiting for it to reappear 
Where's the confused smilely?
JustMe3: I need almost 2k to pay off the balance that will result in 1200+ in deferred interest being tacked on, in late June. The original balance was 4300. Gotta love the TempurPedic. Good night's sleep or financial nightmares? Hehe.
@EmmaGolden wrote:
@Anonymous wrote:
@EmmaGolden wrote:
@Anonymous wrote:FWIW, I got approved for my Amex Everyday card with <650 EX score, 2 unpaid collections, and several lates showing.
What was your SL?
1k and they wouldn't give me an increase until my 2 collections fell off and I got most of the lates cleared up. Still had a few lates though when they finally gave me a CLI. OP only needs $1200 for his BT, so I think he has a chance at a better SL than I had now that his reports are getting better.
Agreed, hoping when he gets a score update that his Ex jumped too. I apped for the BCE with a EX of 640 last month since i saw so many getting in with lower scores. Was denied but the only reason on the denial was credit score. Had a satisfied judgement disappear from my Ex & my score jumped 91 pts. Still waiting for it to reappear
Sorry to hear about the denial. 91 points is an awesome score jump - how long do you have to wait to app for Amex again?