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April 2022 Check In Thread

Kenny
Moderator Emeritus

April 2022 Check In Thread

 

 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!

Message 1 of 22
21 REPLIES 21
GApeachy
Super Contributor

Re: April 2022 Check In Thread

Oh Hello Kenny!  I'm a day late and a dollar short.  That's all I got, besides some credit...nothing to write home about.  Hope all you Challengers have a wonderful April and see some gains and hit some goals.  Good Night! 

"My Take Home Pay Don't Take Me Home"
Message 2 of 22
mgood
Established Contributor

Re: April 2022 Check In Thread

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. Smiley Frustrated



Starting Score: EQ8 680, TU8 713, EX8 701
Current Score: EQ8 739, TU8 733, EX8 742
Goal Score: EQ8 780, TU8 780, EX8 780

Take the myFICO Fitness Challenge
19 days until Gold Spade
Message 3 of 22
HeavyResist
Frequent Contributor

Re: April 2022 Check In Thread

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.

 






 
Message 4 of 22
RobynJ
Frequent Contributor

Re: April 2022 Check In Thread

Hi all, great news I finally have a score woohoo DFC8BEBB-0225-417D-A55B-EEA285A81826.jpeg

 


Starting Score: 0
Current Score: 808
Goal Score: 850

Take the myFICO Fitness Challenge
Message 5 of 22
RobynJ
Frequent Contributor

Re: April 2022 Check In Thread

Now all I can do is wait. I have done all I can and now time is my friend.

EBC84D90-BD25-4A75-BA33-A34F1C84FA0A.jpeg

 


Starting Score: 0
Current Score: 808
Goal Score: 850

Take the myFICO Fitness Challenge
Message 6 of 22
Caramelhunnyva
New Contributor

Re: April 2022 Check In Thread

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! 

Starting Score: 499
Current Score: 640
Goal Score: 850

Take the myFICO Fitness Challenge!
Message 7 of 22
Caramelhunnyva
New Contributor

Re: April 2022 Check In Thread

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 DFC8BEBB-0225-417D-A55B-EEA285A81826.jpeg

 


 

Starting Score: 499
Current Score: 640
Goal Score: 850

Take the myFICO Fitness Challenge!
Message 8 of 22
Caramelhunnyva
New Contributor

Re: April 2022 Check In Thread

It will come.. Seems slow as molasses sometimes 

Starting Score: 499
Current Score: 640
Goal Score: 850

Take the myFICO Fitness Challenge!
Message 9 of 22
mmcnairg85
New Member

Re: April 2022 Check In Thread

Hello Kenny, 

 

I was introduced to the group by the_credit_banker after discussing ways to improve my credit report/scores. I have since signed up with myfico to receive a credit report/ scores and joined myfico forums. 

 

I started my credit repair journey Dec 2020 with my scores starting at: Equifax 483-Transunion 495-Experian 558

 

Today my scores are: Equifax 618-Transunion 643-Experian 736

 

I am excited to join the myfico fitness challenge!!!

 

Message 10 of 22
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