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Got a SW alert, up from 522 to 538. Looked at EQ report, and not a darn thing changed. ??? Not sure what happened, but I am guessing that an old late payment aged out of scoring or something weird. Any way, I will take it. Thought that maybe my lower util on Capone had hit, since it hasn't updated from Oct, but that was not the case. They still have not reported the pay down. So any day I should get another little bump. Maybe that elusive EQ score will start to climb up into the range of the other two now. That would sure be nice.
So, this may be overly obsessive, but I listed out every derog I had, along with the date it happened, and the anniversary dates at 6 months, 1 year, 2 year, and 7 years. So...yeah. Now you know about my lack of a life.
| Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000 | Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL |
I kinda watch those things too. I am thinking it might be an AAoA, as my biggest CC hit 3 years this month. Also, my last 30 day late also hit 3 years ago Dec 1. So it could be either or, or even a little of both. Lucky for me, I was able to get the other 30 day lates GW'd. Man did that help things out. I don't think you are overly weird at all. I am just as obsessed as the next myfico junkie, lol.
@Jutz wrote:So, this may be overly obsessive, but I listed out every derog I had, along with the date it happened, and the anniversary dates at 6 months, 1 year, 2 year, and 7 years. So...yeah. Now you know about my lack of a life.
I have an excel workbook with this information ;-) Color coded even.
@awdsmama wrote:
@Jutz wrote:So, this may be overly obsessive, but I listed out every derog I had, along with the date it happened, and the anniversary dates at 6 months, 1 year, 2 year, and 7 years. So...yeah. Now you know about my lack of a life.
I have an excel workbook with this information ;-) Color coded even.
HAHA! Mine is definitely color coded. I get to fill in the box green when I hit my anniversary of a derog. My rebuilder spreadsheet has 3 pages, including that one. AAoA calculator where I can mess around with how adding/substracting accounts will effect me, and an activity log of all my efforts on each derog (with contact info, names, addresses, etc).
| Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000 | Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL |
Love it! I should do that too, but for now, I am just chilling watching things go up. Here's hoping it continues to rise.
Take it and run! Congrats!
Points are points. I get excited reading about people nearly obsessing over their credit because you KNOW those people will not be back here as long as they can help it. It's really impressive.
Congrats!!!