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Sign of having taken the next step in credit rebuilding process.

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Anonymous
Not applicable

Re: Sign of having taken the next step in credit rebuilding process.


@john398 wrote:

@nuggets321 wrote:

When First Premier offers show up in your mailbox non-stop and you laugh as you tear up the offers Smiley Very Happy



LOL and ditto with Credit One and Finger Hut


Haha, this just happened to me last with with Credit One!

Message 21 of 60
Anonymous
Not applicable

Re: Sign of having taken the next step in credit rebuilding process.

I've got another one.

 

Improving your scores becomes a game rather than a live-or-die battle.

Message 22 of 60
Smug
Established Contributor

Re: Sign of having taken the next step in credit rebuilding process.

You no longer shrug when looking a new cars, and thinking oh lord they have to run my credit!
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Message 23 of 60
LS2982
Mega Contributor

Re: Sign of having taken the next step in credit rebuilding process.

+1 Smug
You make the terms on the car loan or walk out!



EQ FICO 548 3/3/16
Message 24 of 60
mAndrew1980
Established Contributor

Re: Sign of having taken the next step in credit rebuilding process.

When you start to think about closing your Cap1 cards in a way that will least hurt your FICO score.....

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Message 25 of 60
Anonymous
Not applicable

Re: Sign of having taken the next step in credit rebuilding process.

After reading through this thread, I have MUCH to look forward to -- but, its all STILL so far away........

Message 26 of 60
payingoffdebt001
Frequent Contributor

Re: Sign of having taken the next step in credit rebuilding process.

1 When you no longer pull your credit report first thing every morning.  

 

2 When you consider which monitoring service you should close since you currently have 3 (One for each that gives free daily pulls for either EQ, TU or EX).

 

 

Message 27 of 60
LS2982
Mega Contributor

Re: Sign of having taken the next step in credit rebuilding process.


@payingoffdebt001 wrote:

1 When you no longer pull your credit report first thing every morning.  

 

2 When you consider which monitoring service you should close since you currently have 3 (One for each that gives free daily pulls for either EQ, TU or EX).

 

 


I'm guilty of both of these and I don't care if I got an 800 score and perfect credit I HAVE TO KNOW WHATS GOING ON EVERYDAY!!!! Smiley Very Happy




EQ FICO 548 3/3/16
Message 28 of 60
mAndrew1980
Established Contributor

Re: Sign of having taken the next step in credit rebuilding process.

+1

 

I check my USAA reports every day LOL.

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Message 29 of 60
webhopper
Moderator Emeritus

Re: Sign of having taken the next step in credit rebuilding process.


@LS2982 wrote:

@payingoffdebt001 wrote:

1 When you no longer pull your credit report first thing every morning.  

 

2 When you consider which monitoring service you should close since you currently have 3 (One for each that gives free daily pulls for either EQ, TU or EX).

 

 


I'm guilty of both of these and I don't care if I got an 800 score and perfect credit I HAVE TO KNOW WHATS GOING ON EVERYDAY!!!! Smiley Very Happy



Me too!!!   Since you are now part of the AMEX family *big grin*...    you can sign up for unlimited 3-bureau reports....  its great...  The scores they provide are FAKOS, but it will give you an idea of what has changed on your report as far as util%, AAoA... those sorts of things.   of course MyFico is the only place to get the true FICO

FICO 8:
Goal: Gardening!
Message 30 of 60
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