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February 2018 - Check-In Thread

Established Contributor

Re: February 2018 - Check-In Thread

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. 

 

 

 

 

Starting Score: 2/23/2017 Score 8 EQ 651 TU 659 EX 679
Current Score:05/07/2018 Score 8 EQ 783 TU 812 EX 791
Mortgage Scores 04/23/2018 EQ 785 TU 780 EX 778
Goal Score: 760+ ATB FICO 8-Achieved 4/2018, Middle Mortgage Score 760-Achieved 2/2018
Message 31 of 40
Regular Contributor

Re: February 2018 - Check-In Thread


@ohjoywrote:

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. 


 

Starting Score (May 2017): 584 TU
Highest Scores: 760 TU, 764 EQ, 727 EX
Current Scores: 747 TU, 745 EQ, 726 EX

Goal Score: 820+




Message 32 of 40
Community Leader
Valued Contributor

Re: February 2018 - Check-In Thread


@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. 

 

 

 

 


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. ☺️


Current Scores------ EQ 675; TU 658; EX 689 FICO 08--- Gardening 5/25/18 to ~12/15/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Message 33 of 40
Established Contributor

Re: February 2018 - Check-In Thread

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

Starting Score: 2/23/2017 Score 8 EQ 651 TU 659 EX 679
Current Score:05/07/2018 Score 8 EQ 783 TU 812 EX 791
Mortgage Scores 04/23/2018 EQ 785 TU 780 EX 778
Goal Score: 760+ ATB FICO 8-Achieved 4/2018, Middle Mortgage Score 760-Achieved 2/2018
Message 34 of 40
New Member

Re: February 2018 - Check-In Thread

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.  

 

Starting Score: Equifax 572, TransUnion 595, Experian 602
Current Score: Equifax 618, TransUnion 642, Experian 635
Goal Score: 800


Take the myFICO Fitness Challenge
Message 35 of 40
Community Leader
Valued Contributor

Re: February 2018 - Check-In Thread


@Dstryerofworldswrote:

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.  

 


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. Smiley Happy


Current Scores------ EQ 675; TU 658; EX 689 FICO 08--- Gardening 5/25/18 to ~12/15/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Message 36 of 40
Regular Contributor

Re: February 2018 - Check-In Thread

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

Starting Score (May 2017): 584 TU
Highest Scores: 760 TU, 764 EQ, 727 EX
Current Scores: 747 TU, 745 EQ, 726 EX

Goal Score: 820+




Message 37 of 40
Established Member

Re: February 2018 - Check-In Thread

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

Starting Score: 577EQ 529TU 569EX (2/28/18)
Current Score: 617EQ 634TU 565EX (3/22/18)
Goal Score: 700


Take the myFICO Fitness Challenge
Message 38 of 40
Established Member

Re: February 2018 - Check-In Thread

Great leap within the last 30 days, that is freaking awesome!
Starting Score:609
Current Score:619,619,638
Goal Score:700 across the board


Take the myFICO Fitness Challenge
Message 39 of 40
Regular Contributor

Re: February 2018 - Check-In Thread

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



Starting Score: 491 Across the board (1/24/18)
Current Score: TU 623 EQ 639 EX 659 (2-23-18)
Goal: 669 then 700 club across the board
Inquiries: TU 17/EQ 22 /EX 23
Gardening 2/23/18 to Dec 2019?



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Current Scores: 2\25\2018 TU 684 EQ 638 EX 659

3\11\18 TU 669 EQ 640 EX 636
Message 40 of 40