Checking in. I had my Equifax and Transunion jump by 81-87 points!! Wow. My Experian only jumped up 21. Is Experian the hard one to get up?
It's been an interesting month, everyone!
For february, I got 2 baddies removed from TU and EX. One of my CCs was PIF, two other to under 9%, and the big guy I had sitting around 50% was paid down to 15% util. For these efforts, my score was rewarded!
Jan - 640 EQ | 644 TU | 637 EX
Feb - 663 EQ | 652 TU | 683 EX
The jump on EX was huge - I was moderately surprised by this. So hopeful the other two would be close, but there is a 60 day late reporting on EQ/TU. On the bright side, that late will be going away this summer once I completed a payment agreement with the lender. Not in time for the new car next month, but worse case scenario I eat a kind of crappy rate on an auto loan, garden for a year and then refinance.
There's a big baddie left on all 3 that I need to try to PFD - this is my goal for the month to head into March with. With that goal, this month 3/4 credit cards will report a zero balance by next statement, and the last one will be down to ~1-2% utilization.
Just joined the challenge and I am excited about the next several months as I get my credit score up. I just had my credit pulled 02/2015.
Just checking in to let everyone know that my scores are moving up beautifully. I can not be any happier, can't believe one of my scores are over 700. I am still working on getting the rest of the baddies off. I will check back in
I'm very excited this month. I have used my bonus to pay down my credit cards according to my game plan. I'm now waiting for my scores to update.
Start of Feb
2 updates from 2 comenity store cards being added through the checkout trick, waiting on one more update to reflect that in my TU score
still waiting across the board for capital one to report (UTIL was at 89% and is now about 3%)
four more points on Equifax
I've been cruising the myfico boards for a little over a year and have finally decided to jump on board (a little late admittedly) to the 2015 Challenge. I'm currently using my TU score as my baseline because it falls nicely in between EX and EQ. Basically I've been slowly working on rebuilding credit I screwed up several years ago when I was unemployed and then underemployed for about 2 years. Thankfully 2 of the 4 baddies (ouch I know) should fall off my report around June or July 2016. The rest will be gone by 2018. A secured card from BOA and 2 unsecureds from Cap One in the first year have helped me really start building my credit. BOA sucks and still won't get me off the Secured card, can't close it yet because it's my oldest open line. Ugh. Cap One gave me a CLI from 300 to 3300 in the first 6 months of my Quicksilver card and even upgraded me to the no fee version. On the other Cap One I went from 300 to 500 and got a reduced fee. Not a bad start on my rebuild. I'm about 2 years in and have recently been approved for 2 chase cards, discover, and a couple of store cards. I'm going to avoid anymore apps until at least Sept 2015 and preferably July/August 2016. My goal is to get my scores into the 700s across the board. Wish me luck