cancel
Showing results for 
Search instead for 
Did you mean: 

August 2022 Check-In Thread

tag
Kenny
Moderator Emeritus

August 2022 Check-In Thread

month-6389734_1280

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! 

Message 1 of 12
11 REPLIES 11
Anonymous
Not applicable

Re: August 2022 Check-In Thread

As we move into August it will be necessary for me to do some serious pay downs. Too many cards reporting balances.

Further, gardening is the word for my month! Smiley Happy
Message 2 of 12
mgood
Valued Contributor

Re: August 2022 Check-In Thread

3B day. Very little change from a month ago. (Newest card not reporting yet Smiley Wink ) 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

                        3   707

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



Starting Score: EQ8 680, TU8 713, EX8 701
Current Score: EQ8 771, TU8 766, EX8 775 as of March 28
Goal Score: EQ8 780, TU8 780, EX8 780

Take the myFICO Fitness Challenge
AZE5 - 2% Utl - New Accts: 2/6, 4/12, 6/24
Message 3 of 12
Mdowning30
Established Contributor

Re: August 2022 Check-In Thread

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".

Chase Freedom Unlimited : $6000 | Discover It Chrome : $3500 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $5000 | Chase Amazon Prime : $2000 | AmEx Hilton Surpass : $1000 | AmEx Business Plus : $2000 | AmEx Platinum CS : POT $2800 | Tower Federal CU : $15,000 | Lowes Commercial Account : $1,000 | WF Bilt Mastercard : $4,000 | Shell Fleet Plus : $1,000
Total Credit Limit : $42500
Experian FICO 8 : 694
| Experian Vantage : 701 | TransUnion FICO 8 : 683 | TransUnion Vantage : 695 | Experian FICO 9 : 665
Starting Score: 512
Current Score: 693
Goal Score: 700+

Take the myFICO Fitness Challenge
Message 4 of 12
Indaeyez
Member

Re: August 2022 Check-In Thread

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





Starting Score: TU: 668 EX: 686 EQ: 660
Current Score: TU 8: 748 EX 8: 767 EQ 8: 751
Goal Score: 800


Take the myFICO Fitness Challenge
Message 5 of 12
Peterparkyr
New Contributor

Re: August 2022 Check-In Thread

Lots of stuff happened this month.  Scores are up and I was able to take advantage of it.  Knocked out a few goals:

  • Discover card graduated from secured and limit increased to 3500.00 (previously 2500.00)
  • Got approved for Amex business for 5000.00 SL
  • Got approved for home refinance - decided not to go through with it for a few reasons.  Mainly, I want to keep the equity in the home for when I sell in a couple of years.  
  • Got approved for a new car for me and a new lease for my wife.  Used the same pull for both.  Took a hit for car shopping - 49 inquiries total.
  • Got declined for a few credit card apps - figured i would app spree since I already had several HPs.  I like to bunch them together before gardening

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! 





Currently Rebuilding Since 1/7/2022
Gardening Since 11/4/2022 (last inquiry 11/4/2022)

Starting Score: 611
Current Score: 665
Goal Score: 750


Take the myFICO Fitness Challenge

Was in high 400s in 2020-2021

Current Scores:
Fico 8 EQ: 701
Fico 8 EX: 659
Fico 8 TR: 665
Message 6 of 12
Mdowning30
Established Contributor

Re: August 2022 Check-In Thread

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.

Chase Freedom Unlimited : $6000 | Discover It Chrome : $3500 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $5000 | Chase Amazon Prime : $2000 | AmEx Hilton Surpass : $1000 | AmEx Business Plus : $2000 | AmEx Platinum CS : POT $2800 | Tower Federal CU : $15,000 | Lowes Commercial Account : $1,000 | WF Bilt Mastercard : $4,000 | Shell Fleet Plus : $1,000
Total Credit Limit : $42500
Experian FICO 8 : 694
| Experian Vantage : 701 | TransUnion FICO 8 : 683 | TransUnion Vantage : 695 | Experian FICO 9 : 665
Starting Score: 512
Current Score: 693
Goal Score: 700+

Take the myFICO Fitness Challenge
Message 7 of 12
Traveler101
Established Contributor

Re: August 2022 Check-In Thread

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. 

Message 8 of 12
Binbinimiwi
Frequent Contributor

Re: August 2022 Check-In Thread

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!

9E712557-5EA2-477A-8A8F-48BE809D724E.jpegBED777C1-D86D-424D-8851-603CA4833B2E.jpeg

>>
FICO8 Scores as of JAN 2021:

FICO8 Scores as of JULY 2023:

FICO9 Scores as of July 2023:


Message 9 of 12
SouthernGentleman
New Member

Re: August 2022 Check-In Thread

Really happy with my latest Experian Fico 8 Score...It's been a long road to get here....It's the highest it's ever been. 839!


 

Message 10 of 12
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.