cancel
Showing results for 
Search instead for 
Did you mean: 

July 2019 Check In Thread

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Moderator Emeritus

Re: July 2019 Check In Thread


@Batman7 wrote:
New to this, looking to increase my score after a rough divorce, requiring me to file a joint BK in 2016, to not be held accountable. Score has bounced back up, and have a few cards, but looking for longevity.

Looking for tips, etc!

Many on this MyFico Forum offer lots of good usable every day credit information. Look around (if you haven't already). When I had all the rough years (eight years to be exact after BK before I could even qualify for a real regular bank credit card) I did not know there were websites like this one. Figured everything out on my own and it was tough. Glad for all of you sharing as it has helped me a lot! Smiley Happy

Starting Score: 000
Current Score: 850
Goal Score: 850


Take the myFICO Fitness Challenge
Message 41 of 58
Established Member

Re: July 2019 Check In Thread

Update

After being approved for a mortgage in late June, I have applied for a few credit cards, were approved for two and a small loan for home improvements.  I'm going to start gardening soon, my credit score has taken a hit! But still making progress, paying bills on time.

Starting Score: 499
Current Score: 640
Goal Score: 850

Take the myFICO Fitness Challenge!
Message 42 of 58
Established Member

Re: July 2019 Check In Thread

1st post!  Wow - cannot belive how much work goes into fixing credit scores, but I am obsessed! 

After ignoring my credit for 5+ years, I started my overhaul in September 2018 and have already gained 125.  Excited to see how far it can climb in 2019!




Message 43 of 58
Frequent Contributor

Re: July 2019 Check In Thread

Hi everyone!

 

I know it's not much, but I had a small boost too my score Smiley Happy it was super exciting to receive the alert although only a small bump. I have hit the ground running the past week trying to get my credit reports cleaned up. Thanks to this forum, I was able to work out a deal with my school loans to get them updated after 3 months of on time payments with possible removal. I have paid off 2 of my smaller credit cards, one has showed as paid already the 2nd one has not updated yet. I wrote out a payment plan to have everything paid off by November. 

 

fico1.jpg


Starting Score: TU-470 4/11/19, EQ-482 4/11/19, EX-486 4/11/19
Current Score: TU-507 7/18/19, EQ-517 7/18/19, EX-508 7/18/19
Goal Score: TU-700, EQ-700, EX-700


Take the FICO Fitness Challenge
Message 44 of 58
Moderator Emeritus

Re: July 2019 Check In Thread

@izzesparkscongrats on seeing the meter increase with more points! That has to feel great and would cause me to smile. It seemed to me that the points come in spurts with quiet times now and then. My frustration was with the quiet times. But, as has been said around the Forum, credit is not a sprint and it does take time. Smiley Happy

Starting Score: 000
Current Score: 850
Goal Score: 850


Take the myFICO Fitness Challenge
Message 45 of 58
Regular Contributor

Re: July 2019 Check In Thread


@izzesparks wrote:

Hi everyone!

 

I know it's not much, but I had a small boost too my score Smiley Happy it was super exciting to receive the alert although only a small bump. I have hit the ground running the past week trying to get my credit reports cleaned up. Thanks to this forum, I was able to work out a deal with my school loans to get them updated after 3 months of on time payments with possible removal. I have paid off 2 of my smaller credit cards, one has showed as paid already the 2nd one has not updated yet. I wrote out a payment plan to have everything paid off by November. 

 

fico1.jpg


"Not much"?  I consider 12 points a big deal, and when I get increases like that, I'm estatic.  Congratulations!

Open Credit Cards:
Green Dot Primor Secured (5/18) - $450 CL
Capital One Platinum (8/18) PC'd to Quicksilver (9/19) - $600 CL
Capital One QuicksilverOne (3/19) - $1500 CL
Merrick Bank DYL VISA (6/19) - $700 CL - (Doubles to $1400 CL 12/19)
Discover it Cash Back (9/19) - $1000 CL

Experian FICO Score - 8/2018: 528
Experian FICO Score - 9/2019: 647
Message 46 of 58
Frequent Contributor

Re: July 2019 Check In Thread

@jannelo Really? I wasn't sure, I have just read about bigger score increases in other threads and thought mine was small in comparison, but I was still super happy. Now I really am ecstatic with your compliment and the previous post from the moderator, it won't let me do the qoutes and I can't look back at the name. But thank you to both of you😊

Starting Score: TU-470 4/11/19, EQ-482 4/11/19, EX-486 4/11/19
Current Score: TU-507 7/18/19, EQ-517 7/18/19, EX-508 7/18/19
Goal Score: TU-700, EQ-700, EX-700


Take the FICO Fitness Challenge
Message 47 of 58
New Visitor

Re: July 2019 Check In Thread

Wow, congratulations! That’s a big jump. And welcome to the 700 club! Smiley Happy
Starting Score: 650
Current Score: 745
Goal Score: 850


Take the myFICO Fitness Challenge
Message 48 of 58
Regular Contributor

Re: July 2019 Check In Thread

July check in. June 1st was 705.

 

!Messages Image(782638404).png

   
Credit Repair Tracker: Don't get discouraged: 160pts gained!


MYFICO Proud Garden Club Member: 

Message 49 of 58
Regular Contributor

Re: July 2019 Check In Thread

FICO scores comparison from June 29 and when pulled in July for Experian/Equifax/TransUnion (in that order on scores below).
 
FICO® Score
Score Range is from 300 to 850
FICO® SCORE8 data 6/29/2019
626
Fair
617
Fair
611
Fair

 

 

FICO® Score
Score Range is from 300 to 850
FICO® SCORE8 data 7/22/2019
638
Fair
617
Fair
624
Fair
 
Open Credit Cards:
Green Dot Primor Secured (5/18) - $450 CL
Capital One Platinum (8/18) PC'd to Quicksilver (9/19) - $600 CL
Capital One QuicksilverOne (3/19) - $1500 CL
Merrick Bank DYL VISA (6/19) - $700 CL - (Doubles to $1400 CL 12/19)
Discover it Cash Back (9/19) - $1000 CL

Experian FICO Score - 8/2018: 528
Experian FICO Score - 9/2019: 647
Message 50 of 58
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.