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February 2018 - Check-In Thread

Moderator Emeritus

February 2018 - Check-In Thread



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 checkins 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! 

Message 1 of 40
Regular Contributor

Re: February 2018 - Check-In Thread

Checking in folks
I accomplished my January goals.. off to conquer February!


Good luck all!

Amex Plat | Amex EDP $24,000 | Citi BestBuy Visa $11,000 | Chase Freedom $7500 | Discover IT $7500 | Amex BCE $5,000 | Merrick Bank Visa $2000 | Alliant SSL
Starting Score: Fico 8: EQ 721 TU 742 EX 736
Current Score: Fico 8: EQ 746 TU 764 EX 756
Goal Score: Fico 8: EQ 750+ TU 760 EX 750+

Take the myFICO Fitness Challenge
Message 2 of 40
Frequent Contributor

Re: February 2018 - Check-In Thread

Checking in. Today is my first day of the challenge.
Message 3 of 40
Senior Contributor

Re: February 2018 - Check-In Thread

Checking in for February! Smiley Happy Some re-evaluation going on.



1a). Continue saving 12% of income, and look to increase that if I'm able to lower my tax withholding. Check!

1b). Look at depositing part of what I've already saved into a higher yield CD, maybe NFCU's Special 15-month at 2.25% Wondering if I should wait until I have a little more in my savings. If I put $3000 into a CD now, I would have $1800 left in savings. Of course I would still have the $500/month direct deposit going in to continue building it up. Advice welcome on this.

2a). Continue paying that extra $100 per month on my highest student loan balance Check, but wondering if I should put that extra $100 toward some CC balances.

2b).  Pay off my lowest student loan balance, which is less than $350 now. It's just annoying seeing it there, lol! I was actually going to do this, but it doesn't appear that I can make a payment on it independently of the unsubsidized loan that was consolidated with it. I might call to see if it's possible to just pay it off.

3). No credit apps. Looking to get a ruby spade in December 2018 Check, check!!!!!

4). Pay down utilization. Working on it! 


That's about it!

Smiley Happy

Current Scores: EQ 679;TU 647; EX 679 Gardening since 11/7/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015
Message 4 of 40
Frequent Contributor

Re: February 2018 - Check-In Thread

Update my score has jumped 94 points for ex since January 29th up til today. I have accomplished 2 goals of my FICO since last posting and upped my goal score since I've reached it.
Message 5 of 40
Senior Contributor

Re: February 2018 - Check-In Thread

Bella -- that savings goal is freaking AWESOME.


The new tax law changes have affected my savings plan so much because I can now invest in REITs outside of my tax deferred retirement accounts.  So I am bashing my head against the wall trying to figure out what to do.  I had my 2018 savings/investments planned and scheduled but nope, had to start over.


My February 2018 check-in is nada.  No changes to FICO score as I had hopped crossing into 24 months AAoA.  No structural changes to my profile.  Got some CLIs last month which are nice.


Here's my Feb 2018 updated chart during my rebuilding process starting in March 2017:


credit limits vs fico vs time feb 3 2018.png


So I've gone up in everything but now I will be flatlining until probably July, unless Discover gives me more CLI love.


Biggest goals for 2018:


  1. Get total credit limits up to $50,000 (doubtful, but here's hoping)
  2. Get preapproved for CSP (way over 4/24)
  3. Get Amex Platinum for airfare and AUs
  4. Save 400% more than I did in 2017!
Message 6 of 40
Super Contributor

Re: February 2018 - Check-In Thread

OK I made it through my first month. No applications. No hard pulls. No new accounts.


1 down, 11 to go.


It may not seem like much to you, but for me it's an accomplishment Smiley Happy

Total revolving limits 654500 (575500 reporting) FICO 8 EQ 714 TU 731 EX 713

Message 7 of 40
New Contributor

Re: February 2018 - Check-In Thread

So far February is off to a positive start. 

Experian re-investigated my dispute regarding the bogus mortgage, and decided to delete it this time.

Now I am just waiting for Equifax, and hope that they follow along with Transunion and Experian.

No time for this to show a jump in my scores, although I don't expect a huge jump due to the lowering of my credit lines

which makes my utilization higher. 

I have had no inquiries and still have zero lates or collections on my three reports, so hoping by the end of the month to

see some positive changes.

Starting Score: 593
Current Score: 554,622,669
Goal Score: 750

Take the myFICO Fitness Challenge
Message 8 of 40
Valued Member

Re: February 2018 - Check-In Thread

My February is off to a great start. I managed to save $500 last month, which is a big deal for me. I also managed to bring down my utilization to below 200%. I am becoming more cognisent of my spending choices and deciding to put more needs ahead of wants. It honestly feels good to pay bills off and see the 0 next to amount due. Not having any of the added late fees, returned check fees, etc. has provided such a mental boost. I am looking forward to smashing some more of my goals this year. 


My goal for this month is to simply bring down my utilization to below 100% and to get to the $1000 saved mark for the year. 

Starting Score: 500
Current Score: 500
Goal Score: 650

Take the myFICO Fitness Challenge
Message 9 of 40
Established Member

Re: February 2018 - Check-In Thread

Hello all! Doing great here. Hitting my goals and looking forward to continuing to do so! I will be closing on my new house this month!! SO EXCITED!

12/4/17 Start: TU 585, EQ 548, EX 545
2/5/18 : TU 692, EQ 669, EX 661
Goal: 850 on all
Message 10 of 40
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