I know you are all hard at work with your
credit goals. Have you progressed as far as
you hoped? Were there any unforeseen
expenses that cropped up and may have
thrown you off schedule?
As a reminder, participation in these monthly
check-ins is optional but encouraged. The
goal is to help keep you on track, so feel
free to post your progress updates here.
This is a no-judgment zone; feel free to
say what's keeping you up at night or give
yourself a Kudo for having it all together.
Did you hit any potholes or speedbumps?
Achieve some milestones, either small or
mighty? Change your goals/add new ones?
Let us know how you're
I am looking forward to owning property in the near future. Right now I am concentrating on paying off collections. I have come a long way on this journey and have seen significant gains but rather concentrate on these gains, I will continue my payoff journey. I am itchin for a cc since it has been maybe a year or two since getting one. I am trying to be strong but reading this Forum makes it hard.
ALL 28 scores went up. All of them are the highest they've been since I've been tracking.
I'm at about 5% aggregate utilization on credit cards and still going down. But my only loan will be paid off in a few months. Trying to get the car I want before that happens and drops my scores. Get the car loan just before the personal loan is paid off.
11/28/20 12/28/20 01/28/21 02/27/21 03/28/21
FICO 8 Eq 680 696 713 730 731
FICO 8 TU 727 713 729 748 752
FICO 8 Ex 701 718 731 738 740
FICO 9 Eq 700 709 745 764 768
FICO 9 TU 726 714 733 759 770
FICO 9 Ex 724 704 738 747 760
FICO 5 Eq 691 702 706 721 726
FICO 4 TU 725 735 736 741 749
FICO 2 Ex 694 728 726 725 729
FICO 5A Eq 681 689 692 706 710
FICO 4A TU 733 743 744 748 757
FICO 2A Ex 694 725 724 731 735
FICO 8A Eq 666 678 701 723 724
FICO 8A TU 709 697 712 733 738
FICO 8A Ex 699 709 723 731 733
FICO 9A Eq 685 690 727 754 761
FICO 9A TU 712 700 719 748 759
FICO 9A Ex 722 694 729 738 752
FICO 8B Eq 663 679 695 717 720
FICO 8B TU 728 712 739 763 767
FICO 8B Ex 698 716 738 748 758
FICO 5B Eq 703 713 722 742 749
FICO 4B TU 729 732 730 735 753
FICO 2B Ex 699 727 722 718 724
FICO 3B Ex 694 705 725 732 748
FICO 9B Eq 698 706 749 772 776
FICO 9B TU 728 716 737 771 782
FICO 9B Ex 719 703 741 754 767
More green every month.
Thank you @mgood I am close to your scores just trying to march a little more up that hill. I was at 14% utility however it looks like Equifax is following TU and have removed MJC from my report causing my utility to hit 48%. Now to see what Exp does.
My TransUnion and Experian went up to 680 and 687 when I lowered my utilization to 12%. My Equifax doesn't want to move for some reason. I'll be down to 2-5% this month and we'll see what happens.
Loving the journey I'm on so far though!
'what gets measured,gets managed'
We remember that "April showers bring May flowers".
Yeah, and "In like a Lion, out like a Lamb".....sick of the pollen blowing straight up my nose @ 40 mph! Hopefully credit will be calmer.
I woke up this morning with Wallethub alerting me to my oldest Chase card (closed-AU) being removed from my cr. Boo and Hiss! circa 2001
It didn't even phase my fako's, waiting for MF to notify. (finger, toes, eyes crossed)
Hope everyone is doing well or at least doing better. Inch by inch...
Happy Spring & April to all!
Second quarter of the year, new season, new beginnings for me. I finally finished my app spree and it's into the garden I go! I have 3 baddies on my credit... 1) LVNV - on 2 bureaus, I will dispute first for inaccuracies. 2) Capital One Auto - Scheduled to age off November 2020 or 3/2022 depending on which CB you ask... so I'm waiting that bad boy out... and 3) MoneyLion- I will dispute for inaccuracy...
Other than that I am doing great! My IBR on my SL approved for the next year and I just found out I may be eligible for forgiveness. Have enough new accounts that I can manage, keeping my reporting utilization under 20% whenever possible but aiming for 9%, and building my payment history. I am also almost a full billing statement into my NFCU nRewards (looking forward to that journey; my goal is a 5 digit card or 2 by October!).
Best of luck to all and I will be updating and lurking as usual.
Be well and remember today is a gift that's why it's called the present!
I made a little progress these past two months, but not much.
My Equifax increased from 667 back to 675
My Transunion stayed the same at 657
My Experian decreased from 665 to 653
A couple of very old good-standing accounts fell off which caused some changes to my report and a decrease in my Experian score. I also finally got my student loans reporting on my Experian report which changed the dynamic of my report as well. As things have been pretty stagnant, I thought maybe it was time for another card to get things moving again...but now I'm afraid I may have jumped the gun a little. I've seen lots of people on the forums have success with PenFed, so I applied this morning for the PCR. It's still under review, and now when I look at more posts on myFico, of course, I'm seeing denials left and right lol. So yeah...I'll just wait and see what transpires. It's only one wasted HP if I'm denied...and I'll know to wait until after my 1 yr discharge mark (end of June) before seeking further credit.
In other news, my discover card still has not graduated...so there's that too (which causes me some heartburn).
On other fronts, I've continued to save a good amount of money, which I'm happy about; I'm hoping it'll help when I need to get a car later this year.