Checking in for August. Just moved back into our home after renting it out for the last 3 years. I have some work ahead of me for sure getting my home back into shape. Painting walls, cleaning, etc. Found out renters had a leaking toilet in our finished basement that caused some damage. Wish they could have told me before. I was going to remodel it later but guess I have to get it done sooner. My score edged up a little for the month but not quite to my overall goal.
Checking in today. I left the garden to buy a new car that I had been researching. I needed to buy while my scores were high as new accounts were beginning to have an effect. I am now happily in the garden for at least six months, probably a year to let those inquiries age.
Well it seems as though my score always wants to change once I post up an update haha.
As of this morning, I achieved my first goal. 600 across everything. I know, 600 is a crappy score and I am embarassed by it, but it's going up and I am glad.
EQ - 628
TU - 615
EX - 616
Quick question. Say that a hard inquiry falls off, will I get a notification about it, or does it just happen?
I really don't know why my score is raising with such huge jumps at a time (like 22 points one month and 16 the next). All I'm doing is paying everything on time which is what I should be doing, but still.
Haven't checked in since March thread but we are plugging along on my stuff and the Mrs.
Growth in score from March:
I have been rebuilding mine and ny husband's credit for over a year now and things are starting to seem pretty hopeless!
We each have several low-limit credit cards that we use responsibly. There are only two medical bills on my credit as derogatory. I still am under 600 and am not elegible for any type of 'bad credit' loan. I am looking into trying to finance a vehicle with terribly high interest rates now, just to have an installment loan on my credit. It was told to me by Springleaf that my lack of a large loan is preventing me from obtaining new credit?
I don't know what else I could do to increase my score, and we are kind of at a dead halt.
Paid off two very small cards today! Victoria's Secret and Car Care One....both did not have much of a balance compared to my other cards but it still feels good seeing that 0.00 balance Planning for 3 more cards to be paid off by December - Rooms to Go, Target, and a USBank Reserves account (already closed). Plus I'm challenging myself to get through the Christmas season without charging anything! I will have a budget and i plan to stick to it.
I had paid 3 Premier Credit Cards, and boy, I am happy I did! My score went up nicely. I made the mistake of paying a collection account at a settlement amount without getting a promisary note first ... now it shows with just a balance. Get a "deletion for pay" letter before you pay ... my biggest mistake yet! A lesson learned I suppose.
And pay the balance in full, if you can, every month ... try not to carry one. I tried the "carry a small balance" way ... it worked, but not that much ... then I paid them in full ... and the jump was huge!