@UncleB wrote:Like I said... things for me are rather boring these days.
After my Amex installment loan was PIF I lost 40 points, but after that things have been steady... I've been within a point or two of 780 since August. My score was previously 821 with the low-balance installment loan reporting.
I could do the SSL and get the points back, but there's nothing I'm interested in at the moment so there's no need for the exercise.
A few years ago I would have loved to have been 'stuck' with a 780, so I'm not complaining.
I know the feeling stuck in scores that a few years ago I never thought possible again. Our range has been a bit wider 745-799 but usually at 760. Since i know we are not buying a house soon I have no fear. Our Sport S is less than 1 year old with 8000 miles and the Rubicon is now 13 years old with 169000 miles but looks new and drives like its 5 years old. Last week some one wanted to buy the Rubicon they thought it was about 3 years old. No more new cars in the works but I have I have been eyeing the new Jeep Pickup. I think they will cost about $50,000 and if i trade the Rubicon that would leave $35,000 I just can't see two car payments now. Once we pay off the 0% apr scores will go up 10 to 20 points more
Happy Holidays Fico Folks. Still gardening and drinking coffee. Put in bulbs and trimmed the mums as well. Will roast a huge prime rib and try out some new wine for gardeners to try.
Got a Tesla, so restarted last month. Not complaining 
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Financially it's passing strange for me after so long not playing with balances: I had a lot of expenses come up and then some non-trivial discretionary spending over the period too (I know I could've delayed that): rather than making a dent in the HELOC wound up darned near maxing it out and covering half the taxes out of the PLOC as the Tesla came in 5 days rather than having a month to build up a downpayment (from 2 jobs, would've made it).
This month and for the forseeable future, it's all about financial strategizing rather than credit planning.
4.5k in the bank currently
~11K CC debt ~16% APR
3K PLOC debt 11% APR
27k HELOC debt 5% APR
55k Auto debt 3.85%
212k Mortgage 3.25%
Had the plan of just running hard with two jobs for as long as I can maintain it and just pay everything off, but now leaning towards paying off the CC/PLOC and starting on the HELOC assuming the usual money comes in plus two incomes for December, zeroing out the HELOC, but then minimum paying the Auto/Mortgage while continuing to save money. Not sure, being major payment free is a nice place to be, but alternatively so is stuffing money away into investments and playing the spread.
Rationally should be playing the spread I guess.
Ah well, happy gardening and credit / finances planning to everyone else too this holiday season!
Forgot that December was arriving tonight and didn’t get first page. 😫😫😫
Was catching up and November and didn't understand why I couldn't reply.
In real life news, today sucked.
@Brian_Earl_Spilner wrote:Was catching up and November and didn't understand why I couldn't reply.
In real life news, today sucked.
When I have lousy days I tell myself that just means that the next day is most likely going to be better.
Hopefully that will appy in your case as well.