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December 2018 Check-In Thread

Moderator

December 2018 Check-In Thread

 

As we approach the holidays, the stress of overspending can be tremendous.  What steps are you taking so that you ring in the New Year not drowning in debt? What new ideas or plans do you have so that 0% promos don't sway you away from your goals?  If you have a plan or strategy that you would like to share, please do! 

 

I know you are all hard at work with your credit goals.  Have you progressed as far as you hoped?  Were there any unforseen 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-judge 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!

What have been your biggest accomplishments

and obstacles so far in the myFICO Fitness Challenge this year?

Message 1 of 6
5 REPLIES
Established Member

Re: December 2018 Check-In Thread

Good morning. Checking in for the month of December. Getting closer to the 700 goal I want to achieve to start 2019. Paid every credit card down from holiday shopping. 2 cards with a balance, both my lightest limits. I want to attempt to end the year debt free and start 2019 out different than I did 2018. Hope everyone has a great month and achieve their goals.


Starting Score: TU 536, EQ 563, EX 554
Current Score: TU 700, EQ 694, EX 671
Goal Score:750 Across The Board


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Message 2 of 6
New Member

Re: December 2018 Check-In Thread

My inquiries from Discover, Fingerhut, & Indigoall trickling in. Experian went down a point, but Transunion went up 2nd.

 

Running into a hiccup where the debit card I use to pay my accounts got locked during pending and the payment was returned. Hoping the payment is fully processed before Capital One reports.

 

Still waiting on Discover and Indigo cards. Trekking along.

 

EXCELSIOR

Starting Score: EXP: 551 TU: 573 EQU: 591
Current Score: EXP: 552 TU: 567 EQU: 591
Goal Score: EXP: 740 TU: 740 EQU: 740


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Capital One Platinum: $600
Capital One Quicksilver One $300
Indigo Platinum $300
Discover It $200
Message 3 of 6
Valued Contributor

Re: December 2018 Check-In Thread

MANY THANKS TO THIS FORUM!

In 2014, you all helped me clean up my credit and I sat happily at 711 for a few months...too soon after, I picked up a gambling habit and amassed 150k in debt (casino credit, cash advances and loans).

I started 2018 with 12 cc maxed, 3 unpaid collections, 2 30-day lates, and a few new personal loans.

As of today, I paid all three collections (sending GW this week) and two loans. I got a 2nd job, cancelled my spring vacations, took a break from the casino, and gave myself a spending limit for the holidays.

My mom sold me 6000 sq ft of land and Id like to build a house there next summer....so my December goal is to keep paying my debt down and GW like crazy. I need to improve my scores before looking for financing.

Best of luck all!!!

Starting Score: May 2013 EQ: 577 TU: 537 EX: 555
Current Score: EQ: 634 TU: 617 EX: 639
Goal Score: ALL 720+

In the Garden Until August 2018 Last App June 2016
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Message 4 of 6
Highlighted
New Member

Re: December 2018 Check-In Thread

Great job fighting out of that hole, hope u stay strong battling your addiction
Starting Score: EXP: 551 TU: 573 EQU: 591
Current Score: EXP: 552 TU: 567 EQU: 591
Goal Score: EXP: 740 TU: 740 EQU: 740


Take the myFICO Fitness Challenge

Capital One Platinum: $600
Capital One Quicksilver One $300
Indigo Platinum $300
Discover It $200
Message 5 of 6
Member

Re: December 2018 Check-In Thread

Found it! First time in the 2018 check in thread in the last month. I will be present all 12 months in ‘10.”!!

Started out the year upper 500s have made it upper 600s. The push thru the holidays, once it is over I am working on a plan to pay down bout half of the 10k CC debt in 2019 whilst saving for a house, looking to move early September. Just need to finetune the budget sync it with the wifes’ budget and go sit down and garden.
Navy Fed Secured $500
Navy Fed Visa Rewards $10000
Navy Fed Auto Loan
Dept of Education SL

Starting Score: 545
Current Score: 677
Goal Score: 780


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Message 6 of 6