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July Check in Thread

Moderator Emerita

July Check in Thread

Summer is here and the fall will be here quicker than we think.   I know you are all hard at work  with your credit goals.  Have we progressed as far as we hoped?  Were there any unforseen expenses that cropped up and may have thrown you off schedule?


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. 


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! What have been your biggest accomplishments and obstacles so far in the myFICO Fitness Challenge for 2014?



Message 1 of 22

Re: July Check in Thread

Feeling very good as July begins.


Scrubbed TU report and the one judgement is now showing as paid.  That's the last fo them.  I'm tired of writing GW letters to the other baddies.  All the lates are 30 days and almost 4 years old.  It's not worth the effort at this stage.


Still scrubbing Equifax and Experian, neither is as responsive as TransUnion.  Both have a different variety of TL on them, Still don't get that, but I'm dealing with it.  I have one old CO that I negotiated from $16k to $4k as I was a guarantor for an old business.  Payments will be done by December and I can start 2015 clean!  


Scores steadily rising - that is gratifying.  I know I need to stay strong in the garden and not be tempted to add anything else right now.  


Goal is to get everything in as tip-top shape as possible before I ask PenFed to recon my file.  I asked once via chat and was told it would be another hard pull and to be honest, that's the worst thing I have on my reports right now - lots of inquiries.  I explained that to them, that the score has risen significantly, but they'd be just adding more to what they already denied me for by repulling right now.  He didn't get it, but again, it's not a requirement and I'm willing to wait.


Otherwise, finances are good, vacation is paid for so I can go with a clear conscience, school is out and its finally acting like summer around here!

Starting Score: TU 584 EQ 560 EX 686
Current Score: TU 716 EQ 677 EX 714
Goal Score: 760

Take the myFICO Fitness Challenge
Message 2 of 22

Re: July Check in Thread

I have reached(ish) my goal!  I started the year in the mid-600s across the board and in the process of buying a house.  After I closed (what a harrowing journey!), I apped for a number of new cards to ultimately lower my util and give my score a boost in the process.  I just saw from my credit monitoring here at myFico that the last of those new cards is now reporting, and I am up to 718 (EX) 709 (EQ) and 707 (TU).  My goal was 710, so I made it on one bureau and so close on the other two. 


I am hoping that once the negative impact of the INQs for the new credit lines (and the mortgage application) is reduced by the passage of a few more months I will see more of a bump!


Then I'd like to set a new goal of 750.


Hope everyone is doing well.  Happy July!

Starting Score: 644 (EQ) 646 (EX) 670 (TU) as of 11/2013
Current Score: 732 (EQ myFico) 740 (EX myFico) 740 (TU myFICO) as of 8-25-14
Lender Pulled Scores (3-19-14): 709(EX)/700(TU)/670(EQ)
Goal Score: 710 (Made it!!)

Take the myFICO Fitness Challenge
Message 3 of 22
Established Member

Re: July Check in Thread

Just checking in! I have two remaining judgements, of which only one I will be attempting to pay off sometime during the rest of this year. I just finished paying off PRA judgement. Hopefully those snakes will vacate the judgement in court. We;ll see...

Message 4 of 22

Re: July Check in Thread

This past month in June, I accidentally let small balances report on about 9 cards! I know, I don't know how that happened. :-/ So EQ score dropped some. Oh well, it will come up this month. Smiley Happy (Not too worried.)
Message 5 of 22
Established Member

Re: July Check in Thread



I did not check in during June.  I had a lot going on.  I was doing really well, but circumstances forced to run up my CCs.  My utilization is high, but I am working on getting it back down.  The good news is that I met one of my goals.  I closed on my new townhome yesterday with a rate of 3.75% which is better than I thought I would get.  I am not teaching summer school due to low enrollment for my class.  Everything is working out due to giving me more time to move and we recently came into some money.  Now to work on the other goals.  It might take me a little longer to hit them, but I am not worried.  I can do it. 

Starting Score: 609
Current Score: 682
Goal Score: 700

Take the myFICO Fitness Challenge
Message 6 of 22
Valued Contributor

Re: July Check in Thread

Coming in a little late to the party, though I've been watching my credit closely for months. It's time to take this to heart and get my credit on track.

On June 21 I went in to my local VW dealer and traded in my previous leased VW Jetta GLI for a new VW Passat - my main goal was to drop my payment from my ridiculous B Tier lease I had of $466 per month (My magic number going in was $350/mo on a different vehicle). Talked to a salesman, then the GM of the dealer, and finally the finance manager, I walked out paying $378/mo, still a B Tier customer, but SO close it was ridiculous (difference I would've had in payment from A to B Tier was about $20/mo). I was upside down on the value of my old car, which I went in knowing, but wanted to drop those payments, I barely ever drive since I car pool to work, but when I do drive, I need a reliable car that gets good mileage. I'm okay with the $378, and it IS a lease, and I can trade it in basically at any point after 2 years and "break even" so to speak.

That really shot me down as my credit score they pulled was 688 from TU (which I expected with Discover/Barclay/Walmart). B Tier was basically from the new accounts over the last year (stupid, stupid stupid of me to get the shopping cart trick cards, and random cards that I didn't need, just "wanted" at the time.

I'm now taking my credit full on, getting BTs in the works to lower my monthly payments and consolidate a few cards with 22%+ interest rates to my DCU card with 13% APR.

I'm not in a bad place, but I'm also not where I want to be. I have a lot of 0% interest out there, and hoping for a decent tax return this year with the purchase of my new house and wife being in school, not holding my breath, but all of that money will go towards CCs this year! Payed off the DWs cards last year, but those are climbing back up as much as I wish she wouldn't use em!

July starts a good year for me! I have a lot of inquiries going to drop off in the next 6 months, and when I get my score up to 720-740 area I'll be axing my useless cards and going for the prime cards! And then pay CASH for everything (charge to a card, let it post, then PIF)

Looking forward to seeing my score hit the 700s!!!

Starting Score: (June 2014) TU08: 663 | EQ04: 640 | EX08: 685
Current Score: TU08: 757 | EQ04/08: 757/758 | EX08: 761
Goal Score: 800 across the board

Total Credit Line - $186,050 | Utilization - 16.8%
Message 7 of 22
New Member

Re: July Check in Thread

Finally realized what has been holding my score down.


(This from my last credit report)


  1. You have too few credit accounts.

Number of your credit accounts in good standing 35 accounts

FICO High Achievers have an average of 17 accounts in good status.




I have also complained to the CRA's that they seem to have missed the first 25 years of my financial life.  My records date back to just before I retired, missing ten cars I financed and three home mortgages I have had and paid off.  I am afraid I have lost confidence in the competency of the CRAs.

Starting Score: EX 808 EQ 777 TU 788
Current Score: EX 808 EQ 802 TU 792
Goal Score: 825

Take the myFICO Fitness Challenge

Message 8 of 22
Valued Contributor

Re: July Check in Thread

My #1 goal for this year has been met -

1. Get last baddie off credit (100.00 med. coll.) Accomp. April '14


goals still in progess-

1. paydown debt (36% Util.) Down to 22% now

2. let accounts age by not applying for anything new @ least till Fall- have frozen reports 

3. let all inquires hit 1 yr mark

4. Stay in garden and continue to learn more about credit and scoring


Message 9 of 22
Frequent Contributor

Re: July Check in Thread

Checking in for July! I have had a big score bump and I am ecstatic about it! I am hoping that as I decrease my util I will only see it go higher. I currently have two collections I am working on (1 TU and 1 EXP) and maybe I can get an Amex. My lates w/ NFCU have hit the 1 year mark this month so maybe a little bump from that too? We will see. I am grateful for any increase in my score considering when I started I didn't think I would get past 620 in 10 months. My score has jumped more than 100 points in that short time. 

Amex ED $15k | NFCU cash $11.5k | BOA cash $6K | Citi AA $5k | AAdvantage Aviator $4k | QS $4.5k | IHG $3k Chase Slate $3k | Chase Freedom Unlimited $2.5k | Barclay Rewards $2.65k | Amex BCE $2k | Chase Freedom $2k | Citi DC $1.7k | Chase Amazon $1k | Citi Simplicity $1k | Discover It $1k | Last HP 5/6/16 Starting score: 530 Current scores:TU 701 EQ 695 EXP 687

Message 10 of 22