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

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Contributor

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

Amazing job

Starting score 6/19 TR 567 Ex 589 EQ 540
7/19 TR 620 EX 595 EQ 577
8/19 TR 643 EQ 614 EX 612
Goal: 680 by 12/19
Message 21 of 28
Valued Member

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

Go!!!!

Starting Score: 600
Current Score: 650
Goal Score: 750


Take the myFICO Fitness Challenge
Message 22 of 28
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 7) and spouse 649/647/602
Current Score: 725/719/719 (Aug 26h and my spouse is 722/700/714 (July 3)
Goal Score: 720


Take the myFICO Fitness Challenge
Message 23 of 28
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 7) and spouse 649/647/602
Current Score: 725/719/719 (Aug 26h and my spouse is 722/700/714 (July 3)
Goal Score: 720


Take the myFICO Fitness Challenge
Message 24 of 28
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 7) and spouse 649/647/602
Current Score: 725/719/719 (Aug 26h and my spouse is 722/700/714 (July 3)
Goal Score: 720


Take the myFICO Fitness Challenge
Message 25 of 28
Moderator

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.
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 26 of 28
Regular Contributor

Re: My rebuild update 45 days success

Awesome rebuild progress.  Big congratulations Smiley Happy



Message 27 of 28
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 7) and spouse 649/647/602
Current Score: 725/719/719 (Aug 26h and my spouse is 722/700/714 (July 3)
Goal Score: 720


Take the myFICO Fitness Challenge
Message 28 of 28
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