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@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.
AMEX is truly wonderful. Going through my account this morning I saw a $1 charge pending from Stripe on my BCP. I went and looked the charge up on Stripe's website and it's from a company that I have never done business with. I got on the app and told the AI that I have a fraud charge and I was connected to a fraud rep in less than a minute. I verified card in possession and that nobody had permission to use it and they canceled it and issued me a new card, even offering to ship it priority if 2/21 didn't work for me. That's amazing service. Any other lender this would have been more work than a few security questions.
I can even still use the card for chip transactions!
@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 🤗