Happy June everyone!
Apps are down, utl is down, a few more inquiries became unscoreable= Exp. is finally moving on up! Two increases in the last week or so. A few pts. here and there is keeping me focused and laying off the apps. (3 months now!- Record)
Between 4 and 6 months I'll have a handful of Inquiries drop off.
Over the summer I'll have a couple of my cc's age to one year as well.
Looking 11 months ahead towards a loan with better terms too.
Kind of exciting to do NOTHING but age 
June should be my turning point. I paid my final 2 collections at the end of last month. Both were settled and will be removed in 30 days. I have low utilization, no late payments and in the garden since Jan 2020.
My current scores are Ex 597, TU 615 EQ 616
Waiting for some fico fireworks this 4th of July.
Starting Score: 589
@Nikki66972 Congrats on zeroing out the final debt 
Sure hope you see some good score increases! You have now earned them!
Sure hope you see some good score increases! You have now earned them!
@Anonymous Thanks. I wish I knew how much of an increase to expect.
@Nikki66972 wrote:June should be my turning point. I paid my final 2 collections at the end of last month. Both were settled and will be removed in 30 days. I have low utilization, no late payments and in the garden since Jan 2020.
My current scores are Ex 597, TU 615 EQ 616
Waiting for some fico fireworks this 4th of July.
Oh yeah, that's gonna be sa-weeeet! Can't wait for you to report back
Hello Everyone,
This is my late June check in.
Howdy @Anonymous
Trying to keep calm, cool and collected about Credit goal's and thoughts.
Way to much free time on my hands, at home most of the time. 
Stay Healthy and Safe! .. You got this!
@M_Smart007 wrote:
Stay Healthy and Safe!
....and some of us (me, me, me- show of hands?) off the preapproval sites. (it's crack I tell ya)
@GApeachy wrote:
@M_Smart007 wrote:
Stay Healthy and Safe!
....and some of us (me, me, me- show of hands?) off the preapproval sites. (it's crack I tell ya)
What are these preapproval sites I keep hearing about? And do I want to know...?
Jokes aside, I'm new and just burned an inquiry Friday on something I thought I'd be approved for, so a preapproval site sounds like something I'm supposed to know to use. Thanks.
@SedimentaryRock wrote:
@GApeachy wrote:
@M_Smart007 wrote:
Stay Healthy and Safe!
....and some of us (me, me, me- show of hands?) off the preapproval sites. (it's crack I tell ya)
What are these preapproval sites I keep hearing about? And do I want to know...?
Jokes aside, I'm new and just burned an inquiry Friday on something I thought I'd be approved for, so a preapproval site sounds like something I'm supposed to know to use. Thanks.
Pssst!....over here: https://ficoforums.myfico.com/t5/General-Credit-Topics/List-of-Soft-pull-PREAPPROVAL-Links-Updated-5... but don't say you got it from me