Rebuilding, Again :(

[mikesonthemend]

I'm back and I know I can overcome it with time and discipline.

Motivation: AA from Synchrony (reduced CL).

Situation as of 3/8/2019:

via Experian trial: EQ 643 (2 inqs) 2 baddies, EX 637 (3 inqs) 3 baddies , TU 623 (4) 4 baddies

42% utilization

all baddies medical

I have:

• paid all accounts off except three. Carrying a $900/3000 on Disco, $235/500, and $300/1000 on Cap1s. About 12% Util
• sent PFD's to the newest 2 baddies on my TU.

CR reports complete 3/23/19. should look like

AmazonSync 0/920, 2 yrs 9 mos

CareCreditSync 0/500, 1 yr 6 mos

Cap1 QS 0/750, 1 yr 7 mos

Cap 1 Plat 312/1000,  2yrs 6 mos

Cap 1 Plat AU 240/500, 7 mos

Disc IT 900/3000, 2 mos old

BogLotsComenity 0/1250, 2 mos old

Kohls Cap1 0/700, 1 yr 7 mos

Should I just garden or hit a few more after update? I know the answer...

Any and all advice/feedback is appeciated!

[Anonymous]

Hi & Welcome!

Make a plan and join the MyFico Challenge! It'll keep you focused and motivated on cleaning up. 🙋🏽‍♀️🌸

[mikesonthemend]

Done!

[Anonymous]

Pay your Plat down to $270 and your Disco to $810. That puts them both at 27% UTI, and when interest is added at the next statement, it’ll keep them under the 28.9% threshold for scoring.

You said the baddies are meds so if they’re paid you can have them excluded via the HIPAA exclusion process. Search the forum for the process. Once they’re paid you can make them vanish as if they never existed.

[mikesonthemend]

thx