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April 2024 Check In Thread

Moderator Emeritus

April 2024 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 7
Established Contributor

Re: April 2024 Check In Thread

Thank you for posting April, 2024!

Message 2 of 7
Regular Contributor

Re: April 2024 Check In Thread

Another page on the calendar, another month in the garden.


Still holding at 0/6, 0/12. The only tempting offer is the Venmo Visa with double cash back for six months. Still can't bring myself to deal with Synchrony however…

Message 3 of 7
Established Contributor

Re: April 2024 Check In Thread

No HP or SP.  Last month I did move most of the CL on a Cap1 card to another card. Then tried to get a CLI on the now lowered CL card. Wasn't approved, must wait six months. Scores are slightly moving up. All above 830. One day my goal of 850  on at least one CS.

Message 4 of 7
Valued Contributor

Re: April 2024 Check In Thread

April Fool's Day 3B pull and all 40 FICO scores increased. I've only seen my scores do that a few times. Usually some go up, some go down, and some stay the same. I was expecting some increases since I've had higher balances lately and more cards reporting balances. Now I'm getting some of that paid back down.

Average increase was 8.425 points.

Biggest increase was 17 points on both Experian 3 ( now 760) and TransUnion Bankcard 4 (now 768).

Two scores are 800 or more. Equifax Bankcard 8 is 800 and Experian Bankcard 8 is 804.

Lowest score is Experian Auto 5 at 734. Next lowest score is Equifax 10 at 754.

Starting Score: EQ8 680, TU8 713, EX8 701
Current Score: EQ8 778, TU8 766, EX8 770 as of April 14
Goal Score: EQ8 780, TU8 780, EX8 780

Take the myFICO Fitness Challenge
AZE4 - 2% Utl - New Accts: 3/6, 4/12, 7/24
Message 5 of 7
Frequent Contributor

Re: April 2024 Check In Thread

Not too much to report this month, no significant changes. Continuing to put as much extra income towards paying off all cc's and get utilization back on track. 

I got a membership with Navy Fed, but EWS ended up flagging me. So I have my membership but have to wait another ~18 months before using any products with them. No biggie. I thought since USAA let me open checking account again I was all clear. 

Also, I opened up a Roth IRA through Schwab. I won't be contributing much until debts are cleared, but wanted to at least open and starting adding a bit. I also have a 401k thru employer with match that I fully contribute to, but want to make sure I'm as good as possible thinking long term. I'm 29 years old now. I don't fully understand Roth, and will likely need to ask additional info in a separate post lol. 

Discover It (Student) $1500 | Capital One QS $2300 | Amex BCE $4800 | Chase FU $3200 | Amex Green NPSL | CSP $4200 | Discover it $3000
Car loan w/ Langley 3.5%
Homeowner since April 2023

Starting Score: 580s
Current Score as of March 2024: EX 661, TU 624, EQ 655
Goal Score: 700+, working on paying high utl cc debt

Take the myFICO Fitness Challenge
Message 6 of 7

Re: April 2024 Check In Thread

Checking in (haven't checked in since December 2022),


Been rebuilding for 2.5 years now.  Scores are up to 692 and 680 although TU is still lagging at 640.  I've got high util on a few cards, which is keeping me below 700 right now.  No credit needs this year, just monitoring and building.


Been gardening for a a year (I hadn't logged in for a while only to find out that the garden club is gone! Smiley Sad).  Will likely garden for a while longer and fix my util to boost at least 2 scores over 700.


Thanks all!

Currently Rebuilding Since 1/7/2022
Gardening Since 5/13/2023 (last inquiry 5/13/2023)

Starting Score: 611
Current Score: 680
Goal Score: 750

Take the myFICO Fitness Challenge

Was in high 400s in 2020-2021

Current Scores:
Fico 8 EQ: 692
Fico 8 EX: 680
Fico 8 TR: 640
Message 7 of 7
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