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My rebuild update 45/60/90/120 days success 700 club

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Anonymous
Not applicable

Re: My rebuild update 45/60/90 days success 700 club

Amazing job

Message 21 of 34
Anonymous
Not applicable

Re: My rebuild update 45/60/90 days success 700 club

Go!!!!

Message 22 of 34
DGOATS1
Regular Contributor

Re: My rebuild update 45/60/90 days success 700 club

Update spouse file
July 1
EX update
703 to 714 Fico 8
677 to 688 MTG

Only Change was now “2 years since last negative”. Nice to see that has a positive effect on mtg scores!

Don’t have 3b but had that update to share. Not sure if scores for TU or EQ Fico 8 / Mtg will also be impacted

Update: July 3
Spouse
TU 692 to 700 Fico 8
EQ 714 to 722
Change ( 2 years since last neg)!
Starting Score: 652/644/654 (March 2019)
Current Score: 729/745/745
Goal Score: 720


Take the myFICO Fitness Challenge
Message 23 of 34
DGOATS1
Regular Contributor

Re: My rebuild update 45/60/90120 days success 700 club

Just posting another update to keep myself in check and record this journey.

Paid off my last CO - the dreaded 4K student loan that was the biggest.

Feels good but it really hurt seeing my saving accounts go down so much. Not sure if others got depressed at the money leaving. Felt good with money sitting in savings over last few months

All part of my plan and budget so I’m just sticking to the plan. Wanted to get some age in the paid CO and it no longer reporting for my mtg app next year so as soon as I got the funds I pulled the trigger.

Will post again in month or two if any score changes.
Starting Score: 652/644/654 (March 2019)
Current Score: 729/745/745
Goal Score: 720


Take the myFICO Fitness Challenge
Message 24 of 34
DGOATS1
Regular Contributor

Re: My rebuild update 45/60/90120 days success 700 club

Got the update from experian

+12 points from paying off my last CO

719 Fico
688 Mtg

We’ll see how other scores do.
Starting Score: 652/644/654 (March 2019)
Current Score: 729/745/745
Goal Score: 720


Take the myFICO Fitness Challenge
Message 25 of 34
gdale6
Moderator Emeritus

Re: My rebuild update 45 days success

Do not continue to update the first post or its going to continually get snagged by the auto spam filter due to the number of edits to it and at some point it will no longer be able to be restored.
Message 26 of 34
Vu
Frequent Contributor

Re: My rebuild update 45 days success

Awesome rebuild progress.  Big congratulations Smiley Happy



Message 27 of 34
DGOATS1
Regular Contributor

Re: My rebuild update 45 days success

Ok so I paid off my closed cc with discover that I had a payment plan $2k)

So that is it for the big debts that were owed.

Time to sit back and save and pay down the two open cards for AZEO.

Mortgage app in T-minus 7 months.

I don’t expect any bumps until the utilization gets low and my inquiry hits 1 year in April 2020.

Starting Score: 652/644/654 (March 2019)
Current Score: 729/745/745
Goal Score: 720


Take the myFICO Fitness Challenge
Message 28 of 34
DGOATS1
Regular Contributor

Re: My rebuild update 45 days success

FINAL RESULTS: (11months)

March 7 2019 (rebuild began)
Me:
EQ/TU/EX
652/644/654. Fico 8
647/610/646 mtg
January 7 2020. Util. 24%
725/726/719. Fico 8 (+73/+82/+65)
667/684/685 mtg (+20/+74/+42)

WifE
March 2019
EQ/TU/EX
649/647/602 Fico 8
641/613/615 mtg
January 2020 - 3% util azeo
721/715/721 Fico 8. (+72/+53/+119)
680/695/709 mtg. (+39/+82/+94)

Since my wife’s MM was 695 we are both in the 680-699 bucket so I’m not paying down card 0% int. And putting cash to savings for the house.

Putting home on market in March and looking to buy thereafter.

Thank you everyone for the help!
Starting Score: 652/644/654 (March 2019)
Current Score: 729/745/745
Goal Score: 720


Take the myFICO Fitness Challenge
Message 29 of 34
AllZero
Mega Contributor

Re: My rebuild update 45 days success

Congratulations on your success!
Message 30 of 34
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