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Happy June, y'all!
I held fast to my no-CCT May, so from 4/14 until 6/1 I only knew what my EX/TU were in snapshots.
I was going to wait until the 8th (after most of my accouts shake out) to check my score, but with AOYA posting at 3 months, I was going to hope to join the 700 club, which I did - YAY!
Thank you AMEX, for reporting "late" with the new account
This month is nothing special, I should be gardening for a good little while, next month should be more interesting.
Financial goals are still on target, so I'm happy with that
@calyx wrote:
Thank you AMEX, for reporting "late" with the new account
I hope Cap1 does the same...so far, so good. Congrats on the 700's!!
May was a good month for me, right now I am gardening until the end of 2019, maybe more.. expecting about 8 baddies to age off by then and then see where I sit..WIll still have two baddies from 2016 (Ford and Navient) and another in 2017 (LVNV), looks like I might have to just let them age off.. focus is to pay off $2000 personal loan and let my 3 CCs age..
WIll need a new car soon so trying to get my scores above 660 and the 2012 baddies to drop before my current car dies..
Hi all! A bit late checking in but I'm here. A lot happened in May and hopefully I can make even more progress in June. I wrote a goodwill letter to Sallie Mae hoping that they will delete the closed account (I settled with them almost two years ago). I also wrote a goodwill letter to Capital One. I know it's a long shot but if they could remove a 30 day late from Jan 2018 that would be so helpful. I've also decided to settle my medical collection as they said they delete whether or I settle or PIF. The strangest thing happened, though. I called to verify which office the debt was from and the guy told me not only which office but the exact procedures. I felt uncomfortable with him knowning so much about my medical history. I thought collections agencies weren't privileged to that information but I guess I'm wrong. Lastly, my Discover secured started reporting and my scores are now 600+ across all agencies
Here's to June! I hope we're able to conquer all that we set out to achieve!
Hello to all!
I am new to the forum and thread however reading posts and replies on all different topics regarding credit, scores etc has been so motivating and inspirational. Ive come a long way as a single mother who has always worked and been in school. I hope to gain knowledge and education regarding my credit and achieiving financial freedom. I just purchased my first home April 2019 at the age of 31. I feel like im on track however I know my credit and my scores can be way better. Im shooting for 750s across the board at this moment. Below is my progress thus far.
November 2017 FICO 8
EQ 451
EX 493
TU 507
December 2017 FICO 8
EQ 503
EX 519
TU 567
June 2019 FICO 8
EQ 618
EX 607
TU 607
JUNE 2019 FICO 9
EQ 616
EX 575
TU 555
Credit cards/Credit
Capital one unsecured 500 CL
Fortiva Bank unsecured 1,000 CL
Fortiva RETAIL unsecured 2,000 CL
NFCU Cash Rewards unsecured 8200 CL
NFCU CLOC 5,000
NFCU CLOC 2,000
NFCU rewards Secured 300 CL
Conns 10,000 CL (furniture)
Discover it Secured 400 CL
CITI bank Secured 300 CL
***UPDATE***
Was just approved for:
NFCU Amex 4,500 hoping to get an increase after 91 days.
Target REDcard: 300.00
Ebay MC: 500.00
Walmart store card: 200.00
I have made a HUGE amount of progress since last year. This time last year Banks would laugh if I went to apply for credit cards/credit. I am looking to continue my credit repairing process and I hope to reach 700 by the end of the year.
Blessings to all!
Candice
Im Gardening for the next year and a half! Wish me luck its hard not to inquire once ive realized my credit is improving. It takes patience and willpower.