Nothing new to report for February. Things start to get exciting for me next month. I applied for cards starting in March of last year, and finished in June. In addition to my accounts reaching 1 year next month, I have two inquiries that will become unscorable.
I've been doing a good job of staying on top of my bills and working towards paying off my credit card debt. At the moment, I only have about $1500 left, which I intend to have paid off by the end of April.
Just starting. I'm a newb. My credit currently sucks:
EQ: 579, TU: 588 and EX: 624
Target goal is 700 across the board by end of 2019! Is this feasible? Anyone else improve this rapidly?
Where do you find mortgage score at?
You can find it when you purchase the FICO 3b report on myfico here. Its under additional fico scores. I also get my experian mortgage score from experian with a membership purchase.
Checking in for February,
I am new here but I know that my credit rating and report needs some work. I lost my job in June of 2018 and had to take a job that paid a lot less so moved some credit around and now I am paying the price. A little background I moved here from Canada in 2013 and had my first credit card by 2014 and only had one for about a year and then I randomly applied for an Amex card via the credit karma app. From there I applied for other cards over the years. My Amex card was my go to and before long I was at a balance of $7,000. I decided to get a personal loan when the interest came in 18 months after I opened the card. I got the loan and paid a majority of the stuff off. My interest was less than that Amex card but still high so 7 months later I got another loan and paid that first loan off and paid the rest of my accounts off. I got a interest rate 5% lower this time around.
Things were going okay until I was let go from my job and I had to do something and I did a balance transfer for $5000 on a card I was saving for a rainy day. The Promo APR is going to expire at the end of the year but I have not paid a lot of that transfer off. So I am now dealing with a large credit card debt load with this personal loan. I have a good amount of credit and checked my fico scores today to see where I am at for real and it is higher than I expected. However, I am now looking at a way to get this debt cleaned up once and for all.
Any tips for a newbie would be great.
My debt utilization is at 24% all around but some cards are a lot higher so thoese are the cards I would like to focus one more, is that reasonable.
Ps how does everyone add their signatures with thier cards and their scores and make it look so nice?