February 2018 - Check-In Thread

[DollyLama]

Happy for today. I finally hit one goal-middle mortgage score of 760. Year long process. On the cusp of FICO 8 score goals. 

No apps, in January got a new spade for my garden. My last 2 inquiries (scoreable FICO 8) will drop in April. Paid off 1 of 2 personal loans, although, it will not reflect till March's reports. 

Hiccups, TU still double reporting a personal loan, regardless of talking with creditor on numerous occasions, and dispute-which resulted in the double reporting. Same account, but added to TU only, and hasn't updated the balance, nor my monthly payment history. Going CFPB. As it's drug down my AAoA compared to the other 2 bureaus, and my balance in "too high". I am approaching the threshold mark for score bump, with only about 8 payments left! 

Major Concern- Have recently become aware of a medical issue, see specialist in little over a week to discuss surgery procedures. This won't be cheap, and can not be postponed. Not only afraid and anxiety ridden over procedure, I'm in despair that numerous medical bills, hospital bills (never can leave a hospital without about 20 lab techs, radiologists, anesthesiologist, surgeons, yada yada billing seperately). I feel my dream of homeownership again will disappear. This after a year of building, obtaining cards that are prime and granted CLIs, files being clean. I honestly don't know what to do. I'm nowhere near retirement age, but I'm not a young'un either. Do have medical insurance, but still project a sizeable portion I will be responsible. I had to have a scan done initial to my diagnosis, and in my fico mode, asking how many bills do I expect to receive and who else that is not present that reads my scan will bill me while in radiology. 

March Goals- Total aggregate, barring no new medical bills pop up that soon, will be under 8%, I'm AZEO, but carrying about 15% on the one card. Expect to see a bump from paid off loan, and aggregate utilization. 

Dream Goal- Win the lottery, so I don't have to fret over paying for medical bills. 

[ohjoy]

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@ohjoywrote:

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wrote:

Checking in for February on a positive note.  I think my scores are just beginning to rebound from my November app spree. I've been getting a point or two here and there but, I'm encouraged to see +9 with EX yesterday. I've opened no new accounts and received no new inqs.

But, although I'm staying on track with keeping my cards paid, I'm feeling a little all over the place with using them. It's like I have no plan and I'm a planner so...

My goals for this month:  End of the month update

1. CLI NFAmex and Disco2   $15K -> $25K NFAmex, $1K -2K Disco2
2. Review my current Rewards programs and figure a best use plan Didn't use points for trip. Still pooling. Plan in place.
3. Review current cards and figure best use plan and which to carry for daily use (I feel like I'm eeny meeny miney mo'g my cards and defaulting to PRG because I like using it) Using BCP and Discover2 as daily drivers. 
4.  Remaining in the garden (no app'g, no inq) Mission accomplished. No apps, no inq
5. 730+ across the board EQ and TU above 740. EX still lingering at 720. Doubt if I get +10 in the next couple days. But hey, anything's possible.

Wishing us all a great month! Looking forward to next month. 

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[Anonymous]

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@DollyLamawrote:

Happy for today. I finally hit one goal-middle mortgage score of 760. Year long process. On the cusp of FICO 8 score goals. 

No apps, in January got a new spade for my garden. My last 2 inquiries (scoreable FICO 8) will drop in April. Paid off 1 of 2 personal loans, although, it will not reflect till March's reports. 

Hiccups, TU still double reporting a personal loan, regardless of talking with creditor on numerous occasions, and dispute-which resulted in the double reporting. Same account, but added to TU only, and hasn't updated the balance, nor my monthly payment history. Going CFPB. As it's drug down my AAoA compared to the other 2 bureaus, and my balance in "too high". I am approaching the threshold mark for score bump, with only about 8 payments left! 

Major Concern- Have recently become aware of a medical issue, see specialist in little over a week to discuss surgery procedures. This won't be cheap, and can not be postponed. Not only afraid and anxiety ridden over procedure, I'm in despair that numerous medical bills, hospital bills (never can leave a hospital without about 20 lab techs, radiologists, anesthesiologist, surgeons, yada yada billing seperately). I feel my dream of homeownership again will disappear. This after a year of building, obtaining cards that are prime and granted CLIs, files being clean. I honestly don't know what to do. I'm nowhere near retirement age, but I'm not a young'un either. Do have medical insurance, but still project a sizeable portion I will be responsible. I had to have a scan done initial to my diagnosis, and in my fico mode, asking how many bills do I expect to receive and who else that is not present that reads my scan will bill me while in radiology. 

March Goals- Total aggregate, barring no new medical bills pop up that soon, will be under 8%, I'm AZEO, but carrying about 15% on the one card. Expect to see a bump from paid off loan, and aggregate utilization. 

Dream Goal- Win the lottery, so I don't have to fret over paying for medical bills. 

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Hey DL, first of all, congratulations on your progress! Have to keep this post short as my break's almost done but wanted to encourage you. Don't lose heart on your dream mortgage. Any medical bills can be dealt with. I don't know about your hospital, but when DH was hospitalized, they let us make interest free payments until the balance was paid if full. A lot of places will write balances off after some time just to get it off the books too. Not saying that should be your plan, but it is a reality that could work to your favor. In any case, if the surgery is necessary for your health, then that is the most important thing. We're here for you, so if you want to vent or just reach out for some reassuring words, your FICO family is here. ☺️

[DollyLama]

Thank you Bella, your kind words mean alot to me. 

[Anonymous]

I just got my first good unsecured card from capital one.  I had a 200 secured card I got in oct of 2017 and in January they upped my limit to500 and I didn’t even ask them to do it.  I was surprised I was offered a quicksilver Candis right after and applied, they emailed me a few days later asking for more information so I sent it and I was approved for 300$. I also upped my limit on my discover it card it’s secured but I added another 1000$ to it so the final count for the month is this...

capital one MasterCard 500$

capital one quick silver card 300$

discover it card 1200$

Credit one visa 300$

not to bad I have only been working on this for less then 6 months!  I think I finally understand this credit thing.  

[Anonymous]

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@Anonymouswrote:

I just got my first good unsecured card from capital one.  I had a 200 secured card I got in oct of 2017 and in January they upped my limit to500 and I didn’t even ask them to do it.  I was surprised I was offered a quicksilver Candis right after and applied, they emailed me a few days later asking for more information so I sent it and I was approved for 300$. I also upped my limit on my discover it card it’s secured but I added another 1000$ to it so the final count for the month is this...

capital one MasterCard 500$

capital one quick silver card 300$

discover it card 1200$

Credit one visa 300$

not to bad I have only been working on this for less then 6 months!  I think I finally understand this credit thing.  

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That is awesome, Dstryerofworlds! You have great cards to build with, and I know those two will unsecure at some point. Please keep us posted on your progress. 

[ohjoy]

Yup! Just waiting on the March 2018 board to be set up. See you guys there.

[Anonymous]

How did your scores jump that much in one month?! I can only PRAY mine go up that much! 

[Anonymous]

Great leap within the last 30 days, that is freaking awesome!

[Newbie2018]

I kicked February's ass! Bring it on March 😍