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Hello buddies!!! A little update... My last paid for delete updated and Experian Fico 8 is now 694.. Equifax fico 8 still 695(6/28) haven't updated yet but Equifax fico 9 is showing 697(7/3).
TransUnion still 700 fico8 until it updates.
No new cards or CLI. I'm working on letting my credit history age...this my friends is really hard!
I'm really enjoying this journey and I know that all of this will pay off in the long run!! Talk to you guys in a few days 🤗
Nothing much to report other than my Equifax jumped 11 points due to an inquiry aging, so that's a huge plus!
Staying focused and just plugging away paying off CC's and paying bills on time.
@Anonymous Congratulations! You should be very proud.
@Jannelo Thank You!! I am loving this challenge and seeing everyone's growth!!
I met my goals again this month. They were: stay healthy; stay employed; bring aggregate utilization under 10%. I also hoped for CLIs on two cards.
July was a better month than I expected on the CLI front. Instead of two, I got three! TCL increased by $14k. Thanks BofA, Amex and NFCU!
My utilization sits at 9.3%, so I haven't yet received the FICO score bump from going under 9%. Getting there is a goal for the month ahead.
I don't plan to go very much under 9%. All of my revolving CC balances are interest free for the next several months, so I'm going to stockpile cash for a while instead of paying those down any further.
All my FICO scores are slowly creeping up, by single digits each month. That's a nice reward for staying in the garden and driving my Util down.
Goals for the month ahead: Stay healthy; stay employed; stay in the garden; get Util under 9%. There's a slim chance I'll get another CLI from BofA, but that goes in the "nice to have" category, rather than goals.