April 2019 Check In Thread

[Anonymous]

Question:
My scores have been steadily increasing and Credit One has stopped sending me mailers but now I'm getting them from Amex and BBVA Compass for their cards.
I was going to let everything rest for a bit and app for an Amex in the Summer.
With the offers of cards that are good quality and I would probably want to add eventually, should I just bite the HP and take the cards while they're being offered? 🤔
I currently have maybe 3 Inquiries on EQ and TU and 5 on EX.
Thoughts?

[DGOATS1]

My rebuild update 45 days success
Thanks again for all the advice

March 7 (rebuild began)

Me:
EQ/TU/EX (March 7)
652/644/654. Fico 8
647/610/646 mtg
New scores: (April 18)
682/691/698 Fico 8. (+30/+47/+44)
666/647/658 mtg. (+19/+37/+12)

I paid off a cap 1 CO that was over limit and reporting every month.
I paid down 1 cc to 43% utilization one card at 30% utilization and one at a zero
No success with goodwill on lates

Wife
EQ/TU/EX
649/647/602 Fico 8
641/613/615 mtg
New scores
696/670/654 Fico 8. (+47/+23/+52)
659/675/664 mtg. (+18/+62/+49)

I paid off three CO student loans and paid off one CO cap1 card reporting every month and got 1 collection removed from EX. No success on goodwill letters for lates.

I’ll keep posting as wife got two cc approval so she now has 3 cc and we can do azeo to get her up higher. She has 0 balance cc so we will get small amt in that

I have 1 new card too and have to get my azeo in place too in next 60 days.

[CreditCharmer]

My current goal is to reach 750.

I plan on remaining in the garden until Mid year of 2020. I’m 6 months into my garden to date. I need to let my Credit age a bit.

After going over my credit report in detail I realize that by 2021-2023 I should have some major stuff fall off of my report.

I’m not where I want to be but I’m most certainly not where I was. I’m still hard at work.

[moosemoney]

My 2019 year end goal is to hit 700 across the board, and I'm so close I can taste it (EQ 727, TU 704, EX 697)! I'm currently waiting on my last collection (with a balance) to be removed - I did a PFD on 04/09/19 so it should be gone by the end of May... In addition to that I have one collection that has been PIF for years aging off in September.

Once those are gone I will have zero negative accounts listed and I am so excited! I plan to garden for a while to help age my report and build on what I have set as my foundation, although once my EX is cleaned up I will be going for a CLI on my AmEx (opened Feb 2019).

[GApeachy]

Checking in before this thread closes:

April has been busy and productive.  Overall I have managed to get an extra 36k in cli's this month between Dh and myself....something I never would have tried or known to try before joining this forum.  This has helped our utl% tremendously and scores reflect that.

Hope everyone here has had success in their rebuild, hope April was good to you and hope it keeps going all of our way. Cheers!