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June 2019 Check-In Thread

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Established Member

Re: June 2019 Check-In Thread

My fico score has jumped 70 points in the last 3 months!! I'm excited

Starting Score: 612
Current Score: 696
Goal Score: 750


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Experian 696
Exquifax 681
Transunion 681

capital one spark visa $300 6/8/2002 17 yrs
Capital one Quicksilver $700 10/3/2004 14 years
Walmart $2250 12/6/2011 7 years
Navy Fedearl CU cash rewards $7000 9/24/2014 5 years
Victorias Secret $1555 11/17/2014 4 years
Fingerhut $3950 11/23/2015 3 years
Amazon $3500 12/1/2015 3 years
Discover miles #1 $5000 1/19/2017 2 years
Credit one bank $1250 1/31/2017 2 years
Navy Federal CU Go Rewards $6000 7/6/2017 2 years
Home Depot $1000 7/6/2017 2 years
American Express Hilton honors surpass $1000 4/30/20194 months
Overstock $3050 5/12/2019 4 months
Chase SLate $1800 9/24/2019
Discover IT #2 $5000 9/24/2019
Message 31 of 40
Frequent Contributor

Re: June 2019 Check-In Thread


@devilnic wrote:

My fico score has jumped 70 points in the last 3 months!! I'm excited


Congrats! I'm looking forward to saying the same. What has happened to increase your scores?


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Message 32 of 40
Established Member

Re: June 2019 Check-In Thread

I took out a consolidation loan to pay almost all of them off. And i'm garening and not using my cards except PIF or 5% utilization. I have 2 cards i'm still trying to pay down but i have them in my sock drawer until i can get a big chunk of them too. 

Starting Score: 612
Current Score: 696
Goal Score: 750


Take the myFICO Fitness Challenge

Experian 696
Exquifax 681
Transunion 681

capital one spark visa $300 6/8/2002 17 yrs
Capital one Quicksilver $700 10/3/2004 14 years
Walmart $2250 12/6/2011 7 years
Navy Fedearl CU cash rewards $7000 9/24/2014 5 years
Victorias Secret $1555 11/17/2014 4 years
Fingerhut $3950 11/23/2015 3 years
Amazon $3500 12/1/2015 3 years
Discover miles #1 $5000 1/19/2017 2 years
Credit one bank $1250 1/31/2017 2 years
Navy Federal CU Go Rewards $6000 7/6/2017 2 years
Home Depot $1000 7/6/2017 2 years
American Express Hilton honors surpass $1000 4/30/20194 months
Overstock $3050 5/12/2019 4 months
Chase SLate $1800 9/24/2019
Discover IT #2 $5000 9/24/2019
Message 33 of 40
Valued Member

Re: June 2019 Check-In Thread

Hi all, just checking in. I haven't heard from Capital One about my late removals yet and I'm waiting until my statement cuts to try yet again for a CLI. I've paid multiple times this month so hopefully they show some love. I just got off the phone with a sallie mae agent. I called to check the status of my GW letter and it's a no Smiley Sad She said they have to report everything accurately and would only change information if there were errors. I feel like a deflated balloon. Part of me wishes I never settled but I was younger and scared. I guess I'll be writing another letter!

Starting Score: 541
Goal Score: 685


Current FICO8:

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Message 34 of 40
Member

Re: June 2019 Check-In Thread

Lost my job last week. It came out of nowhere. Lucky for me I stacked massive chips into my 401k past 13 years. Currently, that’s all I got. So this June Credit Challenge is exactly what I need. I gathered my mail, documents, and plans from goals ago. Time to implement.

First off, buh-bye credit card debt. 

It’s funny, when living lavida loca, I paid cc bills as I went along with minimal worry. Not today, Not anymore. All those suckers are getting paid in full. I can no longer have anything out standing over my head at this current stage in life. By next month, I’ll only have my mortgage to pay which includes property taxes and homeowners insurance. The Benz is paid off and that’s a fantastic thing.  I’m at a critical state but it is do-able.

I’ll keep you posted. Lets do this!

I achieved 830 scores only 2 years ago before my hell froze over. The heat is on now just got to ride the wave. 

Starting Score: 575
Current Score: 689
Goal Score: 830


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Message 35 of 40
Frequent Contributor

Re: June 2019 Check-In Thread

Welcome to the forum, @Munderful.


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Message 36 of 40
Valued Member

Re: June 2019 Check-In Thread

Guys. It happened. I finally heard back from capital one! They agreed to remove the 30 day late from 2018 and I’m over the moon. Unfortunately they said they could not remove the lates from 2016 but maybe I’ll try again in a couple months. If only Sallie Mae would have agreed to the GW. Darn. I’m still going to write another letter. I can’t wait for my new report to come out on the 29th!
Starting Score: 541
Goal Score: 685


Current FICO8:

Take the myFICO Fitness Challenge
Message 37 of 40
Valued Contributor

Re: June 2019 Check-In Thread


@LauraC wrote:

Happy June to you All.

Yesterday I added my Bronze back....been good for a smidge and then last night, while ordering some parts for the RV, up pops a preapproval for a Rewards Visa or a Visa Signature and I declined.  In the past the pop up would be for the store card....It was hard to not jump on it, still bothers me now. (Darn dangling carrot)

 


Welp, so much for that!  No Bronze, no nothing for me......that Dandling carrot popped up again last night and I bit.  Thinking of closing some crap cards now.  Sure hope the AA Boogie man don't find me. 

"My Take Home Pay Don't Take Me Home"
Amex Blue Business Cash; Lowe's Rewards
BB&T SpectrumCR
Capital One Savor; Venture; Spark
CitiBank Staples More; Home Depot
Comenity GoodSamsVS
Discover Cash Back; Chrome
Synchrony AmazonNet55; CareCredit; Lowe's Adv & Pro's
Synovus LOC
[Total Open: 185.2k] [Total Closed reporting: 156,823k] EXP 720, EQ 744, TU 736
Message 38 of 40
Established Member

Re: June 2019 Check-In Thread

Yesterday I closed on my first house!

Three years ago, I would have never thought this was a reality. The tips, examples and motivation to do better financially in these forums helped tremendously!! Now I will continue to improve my overall financial standing! Thank you Guys
Starting Score: 499
Current Score: 640
Goal Score: 850

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Message 39 of 40
Valued Contributor

Re: June 2019 Check-In Thread


@Caramelhunnyva wrote:
Yesterday I closed on my first house!

Three years ago, I would have never thought this was a reality. 

Congrats!!!!!!!!  Don't it make you feel proud?!?  Enjoy homeSmiley Wink

"My Take Home Pay Don't Take Me Home"
Amex Blue Business Cash; Lowe's Rewards
BB&T SpectrumCR
Capital One Savor; Venture; Spark
CitiBank Staples More; Home Depot
Comenity GoodSamsVS
Discover Cash Back; Chrome
Synchrony AmazonNet55; CareCredit; Lowe's Adv & Pro's
Synovus LOC
[Total Open: 185.2k] [Total Closed reporting: 156,823k] EXP 720, EQ 744, TU 736
Message 40 of 40
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