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June 2020 Check-In Thread

GApeachy
Super Contributor

Re: June 2020 Check-In Thread

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 Smiley Tongue

 

"My Take Home Pay Don't Take Me Home"
Message 11 of 44
Nikki66972
New Contributor

Re: June 2020 Check-In Thread

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. 


title="Seedling Garden Club Member" border="0" width="50" height="67" align="right">
Starting Score: 589
Current Score: 589
Goal Score: 680


Take the myFICO Fitness Challenge



March 2020
Message 12 of 44
Dinosaur
Moderator Emeritus

Re: June 2020 Check-In Thread

@Nikki66972 Congrats on zeroing out the final debt Smiley Happy Sure hope you see some good score increases! You have now earned them!
Starting Score: 850
Current Score: 850
Goal Score: 850


Take the myFICO Fitness Challenge
Message 13 of 44
Nikki66972
New Contributor

Re: June 2020 Check-In Thread

@Dinosaur Thanks. I wish I knew how much of an increase to expect.


title="Seedling Garden Club Member" border="0" width="50" height="67" align="right">
Starting Score: 589
Current Score: 589
Goal Score: 680


Take the myFICO Fitness Challenge



March 2020
Message 14 of 44
GApeachy
Super Contributor

Re: June 2020 Check-In Thread


@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 backSmiley Wink

"My Take Home Pay Don't Take Me Home"
Message 15 of 44
SedimentaryRock
Contributor

Re: June 2020 Check-In Thread

Good luck! 


FICO8
April 2020 EQ 541 TU 575 EXP 545
Mar 2021 EQ 672 TU 682 EXP 674
Goal Score 800
GARDENING until 6/20/2021
Message 16 of 44
M_Smart007
Epic Contributor

Re: June 2020 Check-In Thread

Hello Everyone,

 

This is my late June check in.

Howdy @Dinosaur wavey_zps81xnuobx.gif

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. Smiley Indifferent

 

Stay Healthy and Safe!   .. You got this!Smiley Happy

Message 17 of 44
GApeachy
Super Contributor

Re: June 2020 Check-In Thread


@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) Smiley FrustratedSmiley Sad

"My Take Home Pay Don't Take Me Home"
Message 18 of 44
SedimentaryRock
Contributor

Re: June 2020 Check-In Thread


@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) Smiley FrustratedSmiley Sad


What are these preapproval sites I keep hearing about? And do I want to know...? Smiley Happy

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.


FICO8
April 2020 EQ 541 TU 575 EXP 545
Mar 2021 EQ 672 TU 682 EXP 674
Goal Score 800
GARDENING until 6/20/2021
Message 19 of 44
GApeachy
Super Contributor

Re: June 2020 Check-In Thread


@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) Smiley FrustratedSmiley Sad


What are these preapproval sites I keep hearing about? And do I want to know...? Smiley Happy

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 meSmiley Tongue

"My Take Home Pay Don't Take Me Home"
Message 20 of 44
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