cancel
Showing results for 
Search instead for 
Did you mean: 

Wolfeyy's Journey/Timeline thus far...

Regular Contributor

Re: Wolfeyy's Journey/Timeline thus far...


sarge12 wrote:

Oh yeah definently. I will never stop using credit. The cash back is what brought me in in the first place. I will take all the youth from their fountain! Smiley Happy

"Four more months until 2 inquires fall off."
My Journey Thread: Wolfeyy's Journey/Timeline thus far...
Goal: 780s across the board(Accomplished!) | Util: under 3%
5/27/17 - TU: 789 | EX: 785 | EQ: 798
Discover IT - $11,000 | Citi DC - $5,200 | PenFed Cash Rewards - $2,500 | Cap1 QS1 - $2,300 | Barclay Rewards - $1,500
Paypal Credit - $1,000

Message 21 of 34
Regular Contributor

Re: Wolfeyy's Journey/Timeline thus far...

Updated.

"Four more months until 2 inquires fall off."
My Journey Thread: Wolfeyy's Journey/Timeline thus far...
Goal: 780s across the board(Accomplished!) | Util: under 3%
5/27/17 - TU: 789 | EX: 785 | EQ: 798
Discover IT - $11,000 | Citi DC - $5,200 | PenFed Cash Rewards - $2,500 | Cap1 QS1 - $2,300 | Barclay Rewards - $1,500
Paypal Credit - $1,000

Message 22 of 34
Highlighted
Regular Contributor

Re: Wolfeyy's Journey/Timeline thus far...

Updated.

"Four more months until 2 inquires fall off."
My Journey Thread: Wolfeyy's Journey/Timeline thus far...
Goal: 780s across the board(Accomplished!) | Util: under 3%
5/27/17 - TU: 789 | EX: 785 | EQ: 798
Discover IT - $11,000 | Citi DC - $5,200 | PenFed Cash Rewards - $2,500 | Cap1 QS1 - $2,300 | Barclay Rewards - $1,500
Paypal Credit - $1,000

Message 23 of 34
Regular Contributor

Re: Wolfeyy's Journey/Timeline thus far...

Updated.

"Four more months until 2 inquires fall off."
My Journey Thread: Wolfeyy's Journey/Timeline thus far...
Goal: 780s across the board(Accomplished!) | Util: under 3%
5/27/17 - TU: 789 | EX: 785 | EQ: 798
Discover IT - $11,000 | Citi DC - $5,200 | PenFed Cash Rewards - $2,500 | Cap1 QS1 - $2,300 | Barclay Rewards - $1,500
Paypal Credit - $1,000

Message 24 of 34
Regular Contributor

Re: Wolfeyy's Journey/Timeline thus far...

Updated.

"Four more months until 2 inquires fall off."
My Journey Thread: Wolfeyy's Journey/Timeline thus far...
Goal: 780s across the board(Accomplished!) | Util: under 3%
5/27/17 - TU: 789 | EX: 785 | EQ: 798
Discover IT - $11,000 | Citi DC - $5,200 | PenFed Cash Rewards - $2,500 | Cap1 QS1 - $2,300 | Barclay Rewards - $1,500
Paypal Credit - $1,000

Message 25 of 34
Regular Contributor

Re: Wolfeyy's Journey/Timeline thus far...

GOAL REACHED780s ACROSS THE BOARD!

"Four more months until 2 inquires fall off."
My Journey Thread: Wolfeyy's Journey/Timeline thus far...
Goal: 780s across the board(Accomplished!) | Util: under 3%
5/27/17 - TU: 789 | EX: 785 | EQ: 798
Discover IT - $11,000 | Citi DC - $5,200 | PenFed Cash Rewards - $2,500 | Cap1 QS1 - $2,300 | Barclay Rewards - $1,500
Paypal Credit - $1,000

Message 26 of 34
Frequent Contributor

Re: Wolfeyy's Journey/Timeline thus far...

Hey congratulations!!!!  That is an amazing accomplishment.  Keep it up and I hope your credit life goes as planned!


NFCU cashRewards Signature Visa | NFCU goRewards Signature Visa | NFCU CLOC | Lowes
Cap 1 Quicksilver (2) | Sportsmans Guide Visa | Willliams Sonoma Visa | Discover it | DCU Platinum| Barclay Apple Rewards | Wells Fargo Store Card |


FICO 8 EQ 662 / TU 657 / EX 635 May 2017
EQ 673/TU 668/EX 651 June 2017


BK 7/2012 In the garden as of 7/7/17
Message 27 of 34
Regular Contributor

Re: Wolfeyy's Journey/Timeline thus far...


ambivalent wrote:

Hey congratulations!!!!  That is an amazing accomplishment.  Keep it up and I hope your credit life goes as planned!


Thanks! It was definitely a journey. 

"Four more months until 2 inquires fall off."
My Journey Thread: Wolfeyy's Journey/Timeline thus far...
Goal: 780s across the board(Accomplished!) | Util: under 3%
5/27/17 - TU: 789 | EX: 785 | EQ: 798
Discover IT - $11,000 | Citi DC - $5,200 | PenFed Cash Rewards - $2,500 | Cap1 QS1 - $2,300 | Barclay Rewards - $1,500
Paypal Credit - $1,000

Message 28 of 34
Frequent Contributor

Re: Wolfeyy's Journey/Timeline thus far...

Ihave a question...when your scores dropped in 2016 due to high util, do you mind sharing (if you recall) what the util was and what you paid it down to and got back near 700?  I'm currently around those 650ish scores and plan to pay off a ton of debt within the next week.  Thank you!


NFCU cashRewards Signature Visa | NFCU goRewards Signature Visa | NFCU CLOC | Lowes
Cap 1 Quicksilver (2) | Sportsmans Guide Visa | Willliams Sonoma Visa | Discover it | DCU Platinum| Barclay Apple Rewards | Wells Fargo Store Card |


FICO 8 EQ 662 / TU 657 / EX 635 May 2017
EQ 673/TU 668/EX 651 June 2017


BK 7/2012 In the garden as of 7/7/17
Message 29 of 34
New Contributor

Re: Wolfeyy's Journey/Timeline thus far...

Quick question - you seem to have a lot of cards/accounts things to keep track of, how do you do it?  Seems like a lot to remember, do you use an app/spreadhseet?

May 2017 - EX 592, TU 590, EQ 588
Current (Feb 2018) - EX 649, TU 651, EQ 653


Rebuilding | AMEX Everyday - $500, Capital One QS1 - $400, Discover IT - $600, Capital One QS - $500, Jared Store Card - $2750, Best Buy Store Card - $1000
Message 30 of 34