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!
Hello,
Checking in for August. I currently have a 740 Experian Vantage3 and I have failed because my goal was to get a 745 by today. Even so, I increased it from 722. My other scores are Experian Fico8 743, Equifax Fico8 788, and TransUnion Fico8 758. The main reason I failed is because I applied for 3 new credit cards over the past 4 months, 2 of which were approved (US Bank State Farm Visa, Robinhood Gold) and 1 of which were denied (OneKey). So this lowered by Average Age of Account, and I have 6 inquiries over the last 12 months, but it increased my credit limit, which is now $56k.
I will rest for a month and then start a new goal in September. I certainly don't need any more credit at least through the end of the year.
Starting Score: 726 (Experian VantageScore3)
Rebuild going great. Experian and TransUnion solidly above 700. Utilization is below 10%.
Equifax is causing some heartburn, stuck at 691. MyFico indicates that my most recent 30 day late occured March....but according to my EQ credit report this 30 day late doesn't exist. This "ghost late" is negatively impacting my score, however. Just waiting that one out. Was going to dispute it, but **bleep** it. It'll go away in time.
Otherwise, all is good!
