Some details on my Inquiries:
Finally signed up for a paid MyFICO account. Turns out my TU score DID increase in July!
EQ is spooky! LOL
Some other things I am seeing:
I'm loving the paid subscription so far!
Amended monthly change to my scores:
Congrats, I really like the myfico subscription. Especially being able to see the other versions of my scores. Those have turned out to be really useful.
August 2018 End / September 2018 Start Update
My scores took a dip this past month due to a couple things, the biggest being a reemergence of an old collection account. Back in June I signed up with Collection Shield 360 with help in removing an old unpaid collection from my report. It did in fact go away, and was gone for a couple months. I thought I was in the clear, but in August it reappeared. This is mostly reflected on my EQ score, because my EX and TU already showed a paid off collection. My EQ had no collections at all, so this one popping up was a big hit to that score.
So here's my September 1st update:
FICO 8 Scores:
Total Open Accounts:
you are a symbol of hope for me , also making me crave the discover IT secured more (was declined) thinking about calling and seeing if there is any possibility that they can reconsider as thats a great card to have with all I've seen here. many kudos to your recovery efforts.
I didn't update last month because I haven't made any huge leaps, but I wanted to pop in today to say my EQ jumped to 671 this morning, in the "good" range! *happy dance*
Here are my stats as of today:
FICO 8 Scores:
I haven't opened any new accounts or gotten any derogs removed yet, but my Ulta card is 6 months old this month so I will trying for a CLI. Other than that I'm using my Old Navy and Ulta card a little bit each month and paying in full before the statements cut, and my Discover I have been using a LOT (for the cash-back) and pay in full every Friday, making sure the card reports a balance of less than $150. I'm still working on getting things situated to try for a new bank card in January when my mortgage shows 24 straight months of perfect payments, but I haven't decided on which one to try for yet (but I have narrowed it down to a couple options).
I can't thank you guys here enough. As you can see in my signature I started with horrific numbers, and now I've got a toe in the "good!" Hard work and persistence does pay off!
Congrats on that EQ score jump! All around nice progress!
Year End update!
I haven't been focusing too much energy on my FICO scores as of late. I've been using my cards and paying them off in full, doing the AZEO method. My current scores are:
That means, I hit my 2018 goal of hitting 650 across the board!!!
January my mortgage will be reporting 24 months straight of on-time payments, so I think I may get a tiny bump from that. I had planned on trying for a fourth card in January, but I think now I am going to wait until I do the PFD with Applied Bank. I have an email from them confirming they will indeed delete teh TL once it's paid, but I still haven't done that *facepalm*
Once I do that I will wait for the bump and then try for a fourth card. At least that's the plan.
My 2019 goal is to get to 700 by the end of the year. Wish me luck!
Just a quick pop-in to show how fickle these FICO scores are. Last month my Discover (CL $2000) reported $136. This month it reported $89. This is the jump shown on my Experian from only that change.
39 points! I fully expect it to drop down and stabalize throughout the year, but considering my 2019 goal is to hit 700 by the end of the year, I'm thinking it will happen way earlier than that.
Also, I finally did my PFD with Applied Bank, and the letter said it should be gone by 03/25/19 at the latest. I will update any score changes once that is gone, and if anyone wants contact info to clear an old Applied Bank charge-off from their report, send me a message and I'll be happy to share that with you.
With the help of these forums and my paid MyFICO subscription, my scores are better than they ever have been in my entire life. I couldn't have done it without you guys. I have lots of work to do still, but knowing what to do and learning to have the patience to get there has been paramount.
Applied Bank $920 came off my Transunion only and my TU score jumped 59 points
Just waiting for it to come off the other two...