I know you guys are all hard at work with your credit goals. Have you progressed as far as you hoped? Were there any unforeseen expenses that cropped up and may have thrown you off schedule? Hope you are staying safe during the quarantine!
As a reminder, participation in these monthly check-ins 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? The year is flying by!
Let us know how you're doing!
Saw a nice 30 point bump when my medical collection dropped off this month. Slowly getting closer to my goal. Mortgage and auto scores are all above 620. That was another milestone that I was looking to hit as well. My rebuild only started in January, and knocking on the 700 door 7 months in feels pretty good. I know I'm still a year away, but the progress is good!
Starting Score: 611
I lost 1 FICO across the board while on vacation. It was a utilization ding because MSC Cruises hits your card every day instead of at the end, which makes it hard to keep up. I have one more card that should report by Monday, so we will see what happens with my scores after that.
>>
Not the month I was hoping for! Been dealing with the Comenity fiasco (IYKYK) but did get a small bump on TU (+9) and an unexpected large bump on EX (+17). Not much changed outside of getting automatic small CLI from Citi on two of my three cards for good credit behavior. This did drop my individual utilization on my one card carrying a balance from >89% to 70% so maybe that was it. My loan also passed the 3 month mark so perhaps I got a score increase for that? And at last, the unauthorized HP from Comenity was removed. Anyhow, pretty pleased. I wasn't sure I would be able to reach my goal by the end of the year but it seems doable now.
I was planning to apply for a 0% BT card this month but had been waiting until my EX report was updated and the inquiry removed so maybe I'll pull the trigger now.
Almost missed July. These scores are from a 3B pull I did on the first of the month. I'll pull another one tomorrow evening.
Utilization is a bit high, keeping my scores from where they could be. They're all over the place.
Equifax TransUnion Experian
8 739 8 733 8 742 (Currently 746, 733, 742)
9 768 9 761 9 753
5 712 4 739 2 721
A5 679 A4 717 A2 691
A8 731 A8 722 A8 734
A9 754 A9 758 A9 739
B8 748 B8 744 B8 749
B5 720 B4 711 B2 703
3 716
B9 770 B9 764 B9 750
10 715 10 730 10 697
10T 724 10T 723 10T 724
A10 718 A10 730 A10 694
B10 724 B10 742 B10 700
My EX Fico 8 just went up +14 making it 659, thats the highest its been to date !