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February 2023 Check-In Thread

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Kenny
Moderator Emeritus

February 2023 Check-In Thread

 

February.jpeg

 

 

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

Message 1 of 13
12 REPLIES 12
Anonymous
Not applicable

Re: February 2023 Check-In Thread

MyFicoers

The February 2023 Check-in is open ...

Many of you are tired from the Holidays, thinking money and taxes ...

Drop by and let us know how it is going! Smiley Happy
Message 2 of 13
mgood
Valued Contributor

Re: February 2023 Check-In Thread

New 3B pull. Good month!

Only the second time I've seen this in the couple years I've been tracking it, every single one of my FICO scores went up. Usually some go up, some go down, a few stay the same. They went up by an average of 11.2 points.

 

scores.jpg



EQ8 769, TU8 766, EX8 765 as of July 24
AZE7 - 3% Utl - New Cards: 1/6, 3/12, 6/24
Message 3 of 13
Mdowning30
Established Contributor

Re: February 2023 Check-In Thread

My Aggregate utilization went up 4% but have that go back down by March. My scores took 20+ hit due to a medical collection reporting under $500 so i disputed it and can "PFD". My TU already closed it, but EX still showing open so im going to "PFD". That should bring my EX score to 670+. Next cards will hopefully be the Amex BCE for the 15 month 0% APR and the Gold.

Chase Freedom Unlimited : $6000 | Discover It Chrome : $3500 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $5000 | Chase Amazon Prime : $2000 | AmEx Hilton Surpass : $1000 | AmEx Business Plus : $2000 | AmEx Platinum CS : POT $2800 | Tower Federal CU : $15,000 | Lowes Commercial Account : $1,000 | WF Bilt Mastercard : $4,000 | Shell Fleet Plus : $1,000
Total Credit Limit : $42500
Experian FICO 8 : 700
| TransUnion FICO 8 : 688 | Experian FICO 9 : 665
Starting Score: 512
Current Score: 700
Goal Score: 700+

Take the myFICO Fitness Challenge
Message 4 of 13
westcoastpeach1965
New Contributor

Re: February 2023 Check-In Thread

No score changes yet.  I was pre-approved for a Lexus Visa (no hard pull from Comenity), but they sent me a Lexus store card instead all the while stating that I had the Visa, so I had them just cancel that card as I don't have a Lexus and would never have used it.  It did have a $2,000 limit though and after asking her to just cancel the card, I thought I should have kept it open for the utilization issue.  Anyhoo, they told me to reapply for the Visa with no hard pull, which I did, and was told I'd get a letter in 10-14 days.  I really don't need that card, so I think I just got excited to see the pre-approval.  If I don't get it, no biggie.  I am still on track and am anxious to see how my scores grow over the next few months.  Smiley Happy

Starting Score: 660
Current Score: 660
Goal Score: 750


Take the myFICO Fitness Challenge

Message 5 of 13
westcoastpeach1965
New Contributor

Re: February 2023 Check-In Thread


@westcoastpeach1965 wrote:

No score changes yet.  I was pre-approved for a Lexus Visa (no hard pull from Comenity), but they sent me a Lexus store card instead all the while stating that I had the Visa, so I had them just cancel that card as I don't have a Lexus and would never have used it.  It did have a $2,000 limit though and after asking her to just cancel the card, I thought I should have kept it open for the utilization issue.  Anyhoo, they told me to reapply for the Visa with no hard pull, which I did, and was told I'd get a letter in 10-14 days.  I really don't need that card, so I think I just got excited to see the pre-approval.  If I don't get it, no biggie.  I am still on track and am anxious to see how my scores grow over the next few months.  Smiley Happy


P.S.  Do I still get to keep my bronze spade or do I have to go back to the seedling considering this was a pre-approval?

Starting Score: 660
Current Score: 660
Goal Score: 750


Take the myFICO Fitness Challenge

Message 6 of 13
mgood
Valued Contributor

Re: February 2023 Check-In Thread


@westcoastpeach1965 wrote:

P.S.  Do I still get to keep my bronze spade or do I have to go back to the seedling considering this was a pre-approval?

 



@UncleB  wrote:

Garden Club recognition levels: To qualify, your reports must contain:

  • No new tradelines of any type on one's accounts
  • No HPs for anything that would allow for the possibility of a new tradeline being issued or increasing the CL of an existing tradeline

 



EQ8 769, TU8 766, EX8 765 as of July 24
AZE7 - 3% Utl - New Cards: 1/6, 3/12, 6/24
Message 7 of 13
Chazzay12
Frequent Contributor

Re: February 2023 Check-In Thread

Checking in! Feb is off to a great start. We looked at a couple houses, but we are still a bit early and nothing we fell in love with. Beginning of March is our sweet spot for buying the house. 

Also, I checked Experian today and saw I had a 15 point increase! Up to 683 EX Fico 8! Getting closer to the goal of 700. I'm not sure exactly what changed, as my Utilization stays low. However now it says "You have a sufficient number of accounts that are currently paid as agreed" which is a new message. 

woohoo! Making progress. Smiley Happy

Discover It (Student) $1500 | Capital One QS $2300 | Amex BCE $4800 | Chase FU $3200 | Amex Green NPSL | CSP $4200 | Discover it $3000
Car loan w/ Langley 3.5%
Homeowner since April 2023

Starting Score: 580s
Current Score as of May 2024: EX 668, TU 671, EQ 646
Goal Score: 700+, working on paying high utl cc debt


Take the myFICO Fitness Challenge
Message 8 of 13
Mdowning30
Established Contributor

Re: February 2023 Check-In Thread

My Experian finally went over 670 ! For the first time it shows 677 updated today. From Fair to Good.

Chase Freedom Unlimited : $6000 | Discover It Chrome : $3500 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $5000 | Chase Amazon Prime : $2000 | AmEx Hilton Surpass : $1000 | AmEx Business Plus : $2000 | AmEx Platinum CS : POT $2800 | Tower Federal CU : $15,000 | Lowes Commercial Account : $1,000 | WF Bilt Mastercard : $4,000 | Shell Fleet Plus : $1,000
Total Credit Limit : $42500
Experian FICO 8 : 700
| TransUnion FICO 8 : 688 | Experian FICO 9 : 665
Starting Score: 512
Current Score: 700
Goal Score: 700+

Take the myFICO Fitness Challenge
Message 9 of 13
SeaProbe
Regular Contributor

Re: February 2023 Check-In Thread

Back up over 800 on FICO again, according to AmEx, after a dip for holiday utilization and a couple of HPs.

 

Still 2/6, 2/12, 2/24 so no new HP. I'm trying to lay low gardening for now with a possible mortgage later in the year.

Message 10 of 13
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