Checking in to say that AMEX increased my Cash Magnet from $8,000 to $20,000 (SP). This will definitely sate my appetite so I can stay in the garden until next year without applying for any new credit.
...Or end of the year
...or next month
*sigh* lets just see how long this holds me over
Welp. My Chapter 7 fell off Experian. It will be 10 years in August. My Ex score fell by 40 points overnight when this happened. I have an Experian account, so I logged and pulled the report from the week before the BK was removed, refreshed my membership, and pulled a report from the day of removal. Absolutely nothing changed but the bankroutcy being removed.
Also, I accidentally went over the limit with one of my capital one cards, so another drop in scores from that. The limit is low on that card and I forgot about the annual fee being charged...and It reported before I made payment.
On to next month!
I have paid off 2 Comenity cards, Overstock & F21, nearly to ZERO. My plan is to make small purchases, pay off, leave few dollars as a balance. Has not reported yet.
Continuing on working on lowering my utilization on my bank cards.
Haven't check in since April, this one is overdue.
GOAL ACCOUNTS (CAN'T GET ANY CARDS FROM EITHER OF THESE RIGHT NOW):
* Not sure if I should close some of the store cards. I rotate using them so they stay open. Mostly they stay at zero balance. When I use them I immediately pay them off.
Feedback welcome and appreciated.
Checking in after too long an absence.
I wandered off the reservation after my gig fell apart in December of last year, and my credit defense plan worked 95% except for one account that I should've closed years ago, didn't support autopay, and an old recurring charge landed on it unnoticed and the rest I switched into a deliquency scorecard for all FICO scores.
Bye bye 800+ scores, back down into low 700's on most models including sub 700 on EQ FICO 5 (sigh this model has always hated me since the dawn of time).
So in process of cleaning up my life, rejoining the forum (and kicked that damned account to the curb and I will flatly refuse to use any card hwich doesn't support autopay in the future) and I get to restart another 7 year clock. Yay.
Anyway my goals at this point are just to let my scores recovered; happened at a bad time as my Tesla model 3 reservation just came up for the options I wanted (AWD, Long Range) and pulled the trigger with the second round deposit... have a few months to get that late aging which might make a difference on some scores, but other than the impending round of auto financing inquiries nothing else is planned on the horizon.
Ah well, like always, make a plan, be smart about it, and if you have things which you're just stupid about, make defense plans such that they don't impact your credit or financial life.