Util...ARGH!!!!

[Anonymous]

Ok....Im so bummed..of the big payoff of 2/25...I stillhave $3k lef to report out of the $14k I paid...but get this....bump in scores my aching @$$....Im so dissapointed I could cry

  FICO® Score Report Date  

TransUnion

 600 3/20/2008

600 3/14/2008

578 3/4/2008

548 2/29/2008

Equifax

578 3/20/2008

568 3/14/2008

564 3/4/2008

546 2/29/2008

562 2/20/2008

Experian

584 3/20/2008

579 3/14/2008

568 3/4/2008

5412/29/2008

[atlastontheroad]

You're making tremendous progress.  You've taken control of your credit. You've netted gains on all CRAs and impressive gains on two of the three. 

I'm curious, why are you disappointed? 

[Anonymous]

Well, I guess I am disappointed because I thought that  paying my util down from 103% to 21% would  have made a big difference..yes the scores are creeping up, and yes I know rebuilding the credit mess I got myself into takes time...but geez...TU didnt even budge with the new lower util...the others, just marginal...Im sorry, Im just kind of in a pity party mood tonight...

Message Edited by madameozzie on 03-20-2008 08:47 PM

Message Edited by madameozzie on 03-20-2008 08:49 PM

[atlastontheroad]

Take a look at my sig, we're in essentially the same numeric "place."

I've decided to be ecstatic about having taken control of what was controlling me.  It has given me back power that I allowed to be taken from me for a long time.  It didn't happen overnight and it won't be fixed overnight.  I rail at being on the self-imposed austerity plan; but it is the right thing.  I could kick myself for being too scared to look at my scores for the past four years.  I could beat myself up at least once daily for the LAST stupid late that happened on February 15th.  But what good does it do?

What I decided on February 16th when I pulled my scores the first time is: This is a financial twelve step plan.  MV's rather humorous "With Apologies to Alcoholics Anonymous" is tongue-in-cheek but oh, so appropos.

Be gentle on yourself and let time work its wonders (grin)....

YMMV,

atlast..

[Anonymous]

Getting over that 600 is where stuff starts to happen-

When was you last baddie? Do you still have ca's?

When my EX hit 600 it took off 15 points a month until I hit 725-

I has been stuch there no matter what bad or good I do.