@Anonymous wrote:Good morning garden! Happy Valentine's Day! Work is making pancakes for us this morning. In credit news, my scores all went down. EX - 688, EQ - 690 and TU - 680. I can't figure out why and it's making me sad. I hope everyone is off to a great morning so far!
I'm sorry. Hope you figure out why
@Anonymous wrote:Morning everyone.
I didn't sleep yet again. I was tired but just couldn't cross the line into sleep.
Today makes 2 years since I started tapering. In that time I have gone from 20mg of Valium a day to 1.96mg which is not the speed I wanted to go but it's a lot further than I got last time I tried to get off of it so I'm going to call it a win since I'm still going down.
I am all of a sudden getting hungry at like 2AM which isn't helping my case for sleep. It seems like my body is burning a lot more energy than usual and I'm finding myself having to eat more calories. Right now my stomach is telling me that it's ready to eat a horse so I should probably go find something to eat.
Credit news - 2 inquiries became unscoreable on TU yesterday so Vantage gave me 5 points. Won't know what FICO did, if anything, for awhile - depends on whether Disco's AR has already occurred or not. My Sync accounts are still open so I am just going to continue to lie low.
Congratulations on loosing the inquiries!
@newfossil wrote:
@Anonymous wrote:Good morning garden! Happy Valentine's Day! Work is making pancakes for us this morning. In credit news, my scores all went down. EX - 688, EQ - 690 and TU - 680. I can't figure out why and it's making me sad. I hope everyone is off to a great morning so far!
I'm sorry. Hope you figure out why
Thanks! I think it's because I had a charge-off account fall off my report that I believe dinged my AYOA and also my collection reported again. *sigh* My utilization on my cards also went up from high spend on my vacation. Card #1 39% → 55% and Card #2 17% → 24%. Does anyone remember what the thresholds were again? I can't remember.
@Anonymous wrote:
@newfossil wrote:
@Anonymous wrote:Good morning garden! Happy Valentine's Day! Work is making pancakes for us this morning. In credit news, my scores all went down. EX - 688, EQ - 690 and TU - 680. I can't figure out why and it's making me sad. I hope everyone is off to a great morning so far!
I'm sorry. Hope you figure out why
Thanks! I think it's because I had a charge-off account fall off my report that I believe dinged my AYOA and also my collection reported again. *sigh* My utilization on my cards also went up from high spend on my vacation. Card #1 39% → 55% and Card #2 17% → 24%. Does anyone remember what the thresholds were again? I can't remember.
I use CK because it is really good for free monitoring, not good for scores, but it keeps good tabs on everything for you.
I think the thresholds are
8.9% 28.9% 48.9% 88.9%
good morning
just enough time to give Remi her 🤗and leave her coffee for her, I'm already a few minutes late for a call
@Anonymous wrote:
@newfossil wrote:
@Anonymous wrote:Good morning garden! Happy Valentine's Day! Work is making pancakes for us this morning. In credit news, my scores all went down. EX - 688, EQ - 690 and TU - 680. I can't figure out why and it's making me sad. I hope everyone is off to a great morning so far!
I'm sorry. Hope you figure out why
Thanks! I think it's because I had a charge-off account fall off my report that I believe dinged my AYOA and also my collection reported again. *sigh* My utilization on my cards also went up from high spend on my vacation. Card #1 39% → 55% and Card #2 17% → 24%. Does anyone remember what the thresholds were again? I can't remember.
card #1 passed a threshold. That will mess with your scores. It's what I'm currently recovering from. Still waiting for all my cc to report with new thresholds.
@Mv350 wrote:
@Anonymous wrote:
@newfossil wrote:
@Anonymous wrote:Good morning garden! Happy Valentine's Day! Work is making pancakes for us this morning. In credit news, my scores all went down. EX - 688, EQ - 690 and TU - 680. I can't figure out why and it's making me sad. I hope everyone is off to a great morning so far!
I'm sorry. Hope you figure out why
Thanks! I think it's because I had a charge-off account fall off my report that I believe dinged my AYOA and also my collection reported again. *sigh* My utilization on my cards also went up from high spend on my vacation. Card #1 39% → 55% and Card #2 17% → 24%. Does anyone remember what the thresholds were again? I can't remember.
I use CK because it is really good for free monitoring, not good for scores, but it keeps good tabs on everything for you.
I think the thresholds are
8.9% 28.9% 48.9% 88.9%
Thank you for this!
@Anonymous wrote:
@Mv350 wrote:
@Anonymous wrote:
@newfossil wrote:
@Anonymous wrote:Good morning garden! Happy Valentine's Day! Work is making pancakes for us this morning. In credit news, my scores all went down. EX - 688, EQ - 690 and TU - 680. I can't figure out why and it's making me sad. I hope everyone is off to a great morning so far!
I'm sorry. Hope you figure out why
Thanks! I think it's because I had a charge-off account fall off my report that I believe dinged my AYOA and also my collection reported again. *sigh* My utilization on my cards also went up from high spend on my vacation. Card #1 39% → 55% and Card #2 17% → 24%. Does anyone remember what the thresholds were again? I can't remember.
I use CK because it is really good for free monitoring, not good for scores, but it keeps good tabs on everything for you.
I think the thresholds are
8.9% 28.9% 48.9% 88.9%
Thank you for this!
There's one at 68.9% too.
@coldfusion wrote:good morning
just enough time to give Remi her 🤗and leave her coffee for her, I'm already a few minutes late for a call
Morning 🤗
