May Update. Scores are:
EQ: 641
TU: 643
EX: 655
Very happy with the increases so far. It's nice to see the improvement that's been made in the last 3 months.
Still waiting for responses on the two medical collections. Things are looking good on that end. One will be paid and hopefully removed, the other shouldn't be there in the first place so dealing with that. It's a process so I'm just working it.
I paid Cox directly and Convergent update the reports already. I sent an email to their CEO asking for a goodwill removal and pleasantly surprised to receive a response the next day telling me they will be removing it. Awesome! They may not be open to a PFD but it seems they're open to goodwill removals.
My next phase will consist of sending goodwill letters to a couple of my cards in hopes to get lates removed. None of them are none for doing so but I figure I might as well try. Fortunately the last lates I had were in Jun 2019 so their effect on my scores will be reduced after next month too due to age so that's nice.
I've continued to make great strides at reducing the balances on all my cards, all should be paid off within next two months. I continue to use my QS1 card for just about everything and max it and PIF about 4-5 times a month always making sure it reports a $0 balance. One annoying thing about one of my other cards is First Premiere reports on the same day my statement cuts, so the $6 monthly fee is reported. It's annoying and I cannot wait to close them once the other balances are done.
Here's my overal utilization:
| Revolving Utilization Tracker |
| Account | Bal | Limit | Utilization % |
| First Premiere Bank 1 | $ - | $ 300.00 | 0% |
| First Premiere Bank 2 | $ 200.00 | $ 700.00 | 29% |
| Merrick Bank | $ 603.15 | $ 750.00 | 80% |
| Capital One | $ - | $ 600.00 | 0% |
| Target | $ - | $ 300.00 | 0% |
| Kohl's | $ 90.87 | $ 300.00 | 30% |
| Care Credit | $ - | $ 1,000.00 | 0% |
| Total | $ 894.02 | $ 3,950.00 | 23% |
