Well, March handed me a mixed bag of outcomes: I was approved for a Chase Sapphire Preferred card, but that hard pull cost me 8 points on my score, bringing it down to 713, and shortened my already short AAoA. That point drop, however, was short-lived, because as of today my EX score has bounced up to 727.
I was affraid I wouldn't spend enough in three months to get the CSP sign-up bonus, but I needn't have worried. Thanks to some upcoming travel for work, I surpassed the $4,000 requirement in a couple of weeks. Now to pay it off.
In March, and early april, my credit utilization went from 2% to 28%, but today I payed off half of the CSP balance, and the Macy's balance, so I'm currently at about 14%, and within the next two weeks I'll pay off the rest of the CSP, and all my other cards have a zero balance, so I should be in good shape again soon.
The only other card I want to add to my collection is the Amex BCE, and after being approved for the CSP, I no longer pre-qualified for it, but yesterday it popped up when I visited the Amex pre-qual tool, so I'll probably app for that within the next few days. Then it's to the garden for me.
I'm happy to report that my beginning Feb 2017, I have finally met my goals as of April 2018. (14 months) I was on the cusp last month, shy 5 pts and 1 pt on 2 bureaus. Luckily, I had two credit cards that turned exactly a year old in April, and it bounced me right over my goal. 760 ATB, and met my 760 mortgage back in Feb. I will get a new spade the 15th of this month when my 2 inquiries become unscoreable. Just may get a few more points off those. All of this has been due strictly to the forums, some awesome individuals who are very knowledgeable, to the ones who are also encourgaging and rooting you on.
It has been a while but Im back to report that Im getting very close to my goal but that darn EXPERIAN is a pain in the you know what ;-0 My Equifax is now a 707, my TransUnion is 678 and my Experian is a 601 (blah). Also Ive been trying to dispute my inquiries from all 3 reports because they are beyond high from car shopping. I am like in the 40s and 50s. However I am happy to report that Equifax has removed all 50 inquiries so now for the particular report I now have 0. So ill take that for now. Definitely cant complain. Things are certainly moving and looking up and im making great progress, maybe not as fast as id like but its ok. This is definitely a learning process. I encourage you all that being consistent, persistant, aggressive and all knowing when it comes to your credit will definitely keep you twirling in the right direction. Patience and perserverance people. God Bless!
Just joining the challenge!
My goals for April specifically are: