July 2019 Check In Thread

[calyx]

Welp,   my stubborn harassment of my OC and CA has turned up progress.
EX is now clean and at 773.   Now to wait until September for EQ to get clean.

[jons998877]

Rough month... had a few unseen expenses and my utlization will go from 0% to somewhere close to 50% (about $2200 on CL of $4700)..  not sure what scores will be when they report next week.. My goal will be to have the balance paid off by Sept cycles (Sept 9) as I try to get scores above 670.. Pissed at myself because I feel like I am getting so close as things age off and I build my AAoA (currently about 5 mos)

[GApeachy]

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@jons998877 wrote:

Pissed at myself

Don't be, your scores have no memory on utl% once you get it back to where you want it to be.   

[jons998877]

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@GApeachy wrote:

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@jons998877 wrote:

Pissed at myself

Don't be, your scores have no memory on utl% once you get it back to where you want it to be.   

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I know... I am trying to keep it as high as possible because my car has 230K miles on it and I feel like I am living on borrowed time with that thing, so expecting to need car financing soon..

[GApeachy]

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@jons998877 wrote:

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@GApeachy wrote:

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@jons998877 wrote:

Pissed at myself

Don't be, your scores have no memory on utl% once you get it back to where you want it to be.   

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 my car has 230K miles on it and I feel like I am living on borrowed time with that thing

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Same boat dearheart......run it til it's red-tagged on the side of the road.  Hopefully by then your scores will have rebounded.  Check Cap1 auto pre-qual site before you do anything, you could be surprised or not but at least check.  Don't check until you have to though.....they only give you a quote for like 30 days.  Hold out as loooong as your car will let you.

[jons998877]

That’s my plan... but getting tough as the AC is now not working ha

[GApeachy]

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@jons998877 wrote:
That’s my plan... but getting tough as the AC is now not working ha

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yep, yep...sux!  Hot as Hades now.  Have you try charging it up? or does it leak like a sieve or compressor gone?

[jons998877]

Have charged it up a few times and two cans lasts about 3 or 4 days.. decided not worth the hassle since I only use the car a few times a week when I umpire... once school starts up in Aug will need to rethink things ha

[calyx]

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@jons998877 wrote:

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@GApeachy wrote:

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@jons998877 wrote:

Pissed at myself

Don't be, your scores have no memory on utl% once you get it back to where you want it to be.   

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I know... I am trying to keep it as high as possible because my car has 230K miles on it and I feel like I am living on borrowed time with that thing, so expecting to need car financing soon..

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I feel you on this.  I had a new tradeline post at 65% util (I thought it was a loan, it was a retail card) and it tanked my score.   JUST as my old car had a catastrophic failure.    Good luck!

(Positive note: I was able to get around it by going to my CU and explaining and getting their promo rate through them)

[jons998877]

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@calyx wrote:

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@jons998877 wrote:

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@GApeachy wrote:

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@jons998877 wrote:

Pissed at myself

Don't be, your scores have no memory on utl% once you get it back to where you want it to be.   

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I know... I am trying to keep it as high as possible because my car has 230K miles on it and I feel like I am living on borrowed time with that thing, so expecting to need car financing soon..

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I feel you on this.  I had a new tradeline post at 65% util (I thought it was a loan, it was a retail card) and it tanked my score.   JUST as my old car had a catastrophic failure.    Good luck!

(Positive note: I was able to get around it by going to my CU and explaining and getting their promo rate through them)

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Well I should be able to get it either paid way down or completely off in a month, so should be a one month slide, two at the most.. and as a school teacher off for the summer, it isn't getting many miles the next several weeks..