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MooseMoney's Progress Thread!

Contributor

Re: MooseMoney's Progress Thread!

Some details on my Inquiries:

 

TU: 2

  • Nov 2016 - Mortgage Retention credit check - ages off Nov 2018
  • Mar 2018 - Local Credit Union Savings Account opened - ages off Mar 2020 (did not realize they were going to do a credit check to open a savings account *facepalm*)

EX: 1

  • Nov 2016 - Mortgage Retention credit check - ages off Nov 2018

EQ: 3

  • Nov 2016 - Mortgage Retention credit check - ages off Nov 2018
  • Jan 2018 - Discover IT Secured Card - ages off Jan 2020
  • May 2018 - Comenity Ulta Card - ages off May 2020 (I used SCT on this but went through as a HP)
Starting FICO 8 Scores [01/01/17]

Current FICO 8 Scores [02/15/19]

My Progress Thread
2018 Year End Goal: 650 across the board - HIT 11/30/18!
2019 Year End Goal: 700 across the board
Message 21 of 34
Contributor

Re: MooseMoney's Progress Thread!

Finally signed up for a paid MyFICO account. Turns out my TU score DID increase in July!

9crYx8j

 

 

EQ is spooky! LOL

 

Some other things I am seeing:

  • My Experian does indeed show my mortgage as being low balance and/or substantially paid off. That is the most likely reason for the 20 point jump this month
  • My FICO 9 scores are way higher (EQ:712, TU:662, EX:649), so when lenders decide to switch to that model, I'll be happy Smiley Wink
  • The old charge-off card is doing a significant amount of damage and that needs to be my number one priority

 

I'm loving the paid subscription so far! Heart

 

Amended monthly change to my scores:

  • EX: 637 (+20 this month, +75 since 01/31/18, +162 since 06/30/17)
  • TU: 626 (+11 this month, +64 since 01/31/18)
  • EQ: 666 (+14 this month)
Starting FICO 8 Scores [01/01/17]

Current FICO 8 Scores [02/15/19]

My Progress Thread
2018 Year End Goal: 650 across the board - HIT 11/30/18!
2019 Year End Goal: 700 across the board
Message 22 of 34
Established Contributor

Re: MooseMoney's Progress Thread!

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.

Started Rebuild 4/2018: EX 616| TU 604| EQ 621

Current 02/13/19:


Goal Score: 750+
Message 23 of 34
Contributor

Re: MooseMoney's Progress Thread!

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. Smiley Sad 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:

  • EX: 636 - down 1 point from last month (+74 since 01/31/18)
  • TU: 625 - down 1 point from last month (+63 since 01/31/18)
  • EQ: 646 - down 20 points from last month (do not have 01/31/18 score)

 

Inquiries:

  • EX: 1
    • Nov 2016 - Mortgage Retention credit check - ages off Nov 2018
  • TU: 2
    • Nov 2016 - Mortgage Retention credit check - ages off Nov 2018
    • Mar 2018 - Local Credit Union Savings Account opened - ages off Mar 2020 (did not realize they were going to do a credit check to open a savings account *facepalm*)
  • EQ: 4
    • Nov 2016 - Mortgage Retention credit check - ages off Nov 2018
    • Jan 2018 - Discover IT Secured Card - ages off Jan 2020
    • May 2018 - Store Card - ages off May 2020 (I used SCT on this but went through as a HP)
    • August 2018 - Store Card - ages off August 2020

 

Total Open Accounts:

  • EX: 1 Mortgage, 3 CC, 1 Charge-Off, 1 Collection Paid in Full (ages off Sep19), 1 Collection w/ Balance
  • TU: 1 Mortgage, 3 CC, 1 Charge-Off, 1 Collection Paid in Full (ages off Sep19), 1 Collection w/ Balance
  • EQ: 1 Mortgage, 3 CC, 1 Charge-Off, 1 Collection w/ Balance

 

Total Derogs:

  • EX: 1 Charge-Off, 1 Collection Paid in Full (ages off Sep19), 1 Collection w/ Balance, late payments on mortgage
  • TU: 1 Charge-Off, 1 Collection Paid in Full (ages off Sep19), 1 Collection w/ Balance, late payments on mortgage
  • EQ: 1 Charge-Off, 1 Collection w/ Balance, late payments on mortgage

 

Misc Notes:

  • I received my Discover IT Secured Card's 8th statement at the beginning of this month, and I must have graduated to an unsecured card! My limit was the $400 security deposit I paid in as of yesterday, but this morning I see my limit is now $2000! This is very exciting for me! (I made a seperate post about my Discover story here.)
  • I am still loving my paid MyFICO subscription 
  • I wouldn't suggest using Collection Shiled 360  to anyone, seeing as they were only able to have my derog removed temporarily.
Starting FICO 8 Scores [01/01/17]

Current FICO 8 Scores [02/15/19]

My Progress Thread
2018 Year End Goal: 650 across the board - HIT 11/30/18!
2019 Year End Goal: 700 across the board
Message 24 of 34
Established Member

Re: MooseMoney's Progress Thread!

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.

Message 25 of 34
Contributor

Re: MooseMoney's Progress Thread!

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:

  • EX: 660
  • TU: 641
  • EQ: 671

Inquiries:

  • EX: 0
  • TU: 1
    • Mar 2018 - Local Credit Union Savings Account opened - ages off Mar 2020
  • EQ: 3
    • Jan 2018 - Discover IT Secured Card - ages off Jan 2020
    • May 2018 - Store Card - ages off May 2020 (I used SCT on this but went through as a HP)
    • August 2018 - Store Card - ages off August 2020

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!

Starting FICO 8 Scores [01/01/17]

Current FICO 8 Scores [02/15/19]

My Progress Thread
2018 Year End Goal: 650 across the board - HIT 11/30/18!
2019 Year End Goal: 700 across the board
Message 26 of 34
Valued Contributor

Re: MooseMoney's Progress Thread!

Congrats on that EQ score jump! All around nice progress!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 27 of 34
Contributor

Re: MooseMoney's Progress Thread!

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:

 

EX: 660

TU: 652

EQ: 672

 

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. Smiley Wink

 

My 2019 goal is to get to 700 by the end of the year. Wish me luck!

Starting FICO 8 Scores [01/01/17]

Current FICO 8 Scores [02/15/19]

My Progress Thread
2018 Year End Goal: 650 across the board - HIT 11/30/18!
2019 Year End Goal: 700 across the board
Message 28 of 34
Contributor

Re: MooseMoney's Progress Thread!

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.

 

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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. Smiley Very Happy

 

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. 

Starting FICO 8 Scores [01/01/17]

Current FICO 8 Scores [02/15/19]

My Progress Thread
2018 Year End Goal: 650 across the board - HIT 11/30/18!
2019 Year End Goal: 700 across the board
Message 29 of 34
Contributor

Re: MooseMoney's Progress Thread!

Applied Bank $920 came off my Transunion only and my TU score jumped 59 points Smiley Surprised

 

Just waiting for it to come off the other two...

Starting FICO 8 Scores [01/01/17]

Current FICO 8 Scores [02/15/19]

My Progress Thread
2018 Year End Goal: 650 across the board - HIT 11/30/18!
2019 Year End Goal: 700 across the board
Message 30 of 34