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 doing!
My scores slipped a little this month. I'm actually slightly better off, but the way the algorithms work, I took a slight hit. I have three cards that are still in the 0% interest introductory period. I've just paid minimum payments on them and paid off all the cards that are charging interest. So Utilization is a bit high on those three - 48%, 27%, and 40%. The timing of my recent 3B report caught me with high utilization on those three before I had actually paid off the others, so it looked worse there than it will in a few days.
When I got my 3B report, I had all three CRAs frozen. TU and Ex still came through on the report, but Eq did not. I got a notice that the Eq was frozen. I thawed it temporarily within minutes, but it would not update the report without paying for another one. So it's a 2B report this month. 
Starting Score: EQ8 680, TU8 713, EX8 701
March was a month of maintaining course rather than applying for any form of credit. As I had mentioned last month, I will be refinancing my mortgage in May to get out from under my FHA. The PMI is more than the higher interest, so its not an issue. So I will be remaining in the garden until then. My Current Utilization has gone to ~5% now that the new NFCU credit line was added to my report. I am now 6 months away from my BK from 2012 from falling off my report, and I am looking forward to the score bump.
Hi all, great news I finally have a score woohoo
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Now all I can do is wait. I have done all I can and now time is my friend.
Last month was a flurry of credit activity. I finally addressed my high CC debt. I applied for and was approved for debt consolidation loan with penfed. Also I applied for a auto refinance loan for a cheaper rate. I applied and was approved for a personal line of credit. I am feeling much better about addressing my credit card debts/fees!
Congratulations on the new score!!! Can't wait to see my score reach that number
@RobynJ wrote:Hi all, great news I finally have a score woohoo
It will come.. Seems slow as molasses sometimes
