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 popped 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 judgment-free 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 or add new ones?
Let us know how you're doing!
3B day. Very little change from a month ago. (Newest card not reporting yet ) Utilization still at 13%. Mostly upward on Eq and lost a point here and there on Ex. Scores are still shotgunned all over the board from 689 to 774.
Equifax TransUnion Experian
8 751 8 733 8 742
9 772 9 761 9 753
5 726 4 739 2 718
A5 692 A4 717 A2 689
A8 754 A8 727 A8 736
A9 760 A9 758 A9 741
B8 760 B8 745 B8 749
B5 733 B4 711 B2 700
B9 774 B9 764 B9 750
10 719 10 737 10 698
10T 726 10T 730 10T 720
A10 723 A10 737 A10 695
B10 728 B10 749 B10 701
I have recovered from my auto refinance inquiries, and the Amazon Prime reported so I gained back most of the points i lost. My overall utilization is 13% I could pay that down. All of my cards individually are under 30%. My Experian Fico 8 is at its highest at 659 ! Only 11 points away from changing to "Good".
Hope all is well with everyone. Though I was MIA due to some health issues I was still working hard on my credit. Current scores are as follows
EQ 8: 737
TU 8: 738
EX 8: 739
Lots of stuff happened this month. Scores are up and I was able to take advantage of it. Knocked out a few goals:
F8 Equifax jumped to 691. Other F8s are still hovering around 650ish. All of my Fico9 are 680+
Auto scores 660ish.
Mortgage scores 630ish
Time to garden now. No need for any new credit - just paying stuff down from 2020.
Thanks for the inspiration! 8months into rebuild and its paying off!
I also noticed randomly the 1 stubborn collection i been trying to dispute on Experian and through the CFPB from Jefferson Capital vanished without a notice nor score change ? Unless i get a score bump later this month or in 30-45 days. That was the only collection showing on my Experian profile. My Transunion is clean, free of collections but dont get me started with Equifax ! They are still showing a collection i disputed and removed from both my EX and TU reports. Im only guilty of a few 30 day late car payments that are over 2 years old.
Waiting for Amex cc and USB to show up on reports. No more new apps for a while. Waiting to see the collateral damage on my scores being opened within 7 months of a new car and personal loan. Don't even wanna think about it. But I have 2 new cards that could afford me some nice sp increases over time and about 37k in additional credit. Not sure how long it takes USB to show. Only been a few weeks. Amex is coming up in 2nd statement so that should be anytime. After being upside down so many times on a vehicle I learned my lesson well. Over pay in advance, principal only payments and now after 6 months of payments my car is worth about 4500 more than what I owe. So that was a hard lesson to learn, but I got educated. Tried to find old posts about USB altitude connect and what limits it may get to. It's gonna be a sp only but nice to have an idea. I guess time will tell.
August scores are up! Hit the 700 goal on one (TU) and am waiting for EX & EQ to catch up. My mortgage company wrote back to say they will report all of my payments from the last 5 months sometime this month. Discover didn't report to EX for some reason, so I need to call them. Hopefully Sept. will see me in the 700's across the board on my F8's.
On the other hand, savings is going ok. Had some expensive household repairs in July, so wasn't able to contribute and actually had to use what I would've saved plus some. All things considered, I'm doing great!
Good luck to you all on your goals!