I know you are all hard at work with your credit goals. Have you progressed as far as you hoped? Were there any unforseen expenses that cropped up and may have thrown you off schedule?
As a reminder, participation in these monthly checkins 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!
Slow and steady but, still here.
On one hand, I'm a little disappointed, I got another Chase card, on the other hand, I'm not
Still at 770 on TU since the baddies fell off, nothing negative has happened, so I assume that by the end of the year, I should be above 740 on all three CRAs.
As far as financial goals, still plugging away. My initial goal is now a huge stretch thanks to buying a new car this year, but I think I will get there
Hello mod Kenny......
Glad it's a no-judge zone but I may need a slap or two.
Hope everyone enjoys 4th of July week, be safe, keep hydrated.
Glad to find this thread! June was a mixed bag for me. I had a couple of baddies come off my reports, one through early exclusion and one from good will. The last two should be gone by the end of the year. I did take a hit on my Discover Card utilization. I balanced transferred an ill advised loan with a high interest rate to the card. I can now pay it down with no interest, but Discover is now showing 59% utilization and of course the score took a hit according. Oh well, gotta take the bad with the good, I suppose.
Tending the garden working toward the Diamond recognition for two years with no inquiries. Also, have maintained the Fico 800's for five years now. One stumbling block coming my way is the loss of an account from 2001 (ten years). It will hit me hard (I think?) as my next closest is 2006. Sad about that as we know unloading starter accounts is a good feeling but, can come back to haunt us later in the credit life cycle! As shown in the signature, I have been siting at Fico 08 850 for nine months now so it is a loss. Now if you hold my feet to the fire, I have to confess there is no credit product I need in the near future so all my whinning about Fico Scores is really unimportant at this time
Eleven months to go. The damage from my May app spree was minimal (May vs July: EX 0 pts, TU -8 pts, haven't checked EQ). I'm expecting good things around June 2020, when delinquencies and inquiries age off. In December I'll go for a round of CLIs. Until then, I have more than enough credit and am happily gardening.