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March 2018 Check In Thread

Established Contributor

Re: March 2018 Check In Thread

FICO knows my goals and messing with me. 

1 pt shy of 760 on EQ and 5 shy on EX. Maybe next month, been over a year journey. 

April just may push me over the edge, have 4 inq all on same date of 15th that should age off- 2 on EQ, 1 on TU, 1 on EX from April 2017 apps. Plus those accounts will hit a year mark (should), hoping for the score bump. Already AZEO, will also be 1 year no app. Only thing else I can possibly do is paydown my AZEO a bit more, is under 8% aggregate, just not the individual. Paying on current doctors, specialists, scans over some medical problems, not real sure how much it will set me back, so I'm holding back for these and possible more bills to come. 

Starting Score: 2/23/2017 Score 8 EQ 651 TU 659 EX 679
Current Score:06/23/2018 Score 8 EQ 779 TU 809 EX 788
Mortgage Scores 06/23/2018 EQ 782 TU 781 EX 786
Goal Score: 760+ ATB FICO 8-Achieved 4/2018, Middle Mortgage Score 760-Achieved 2/2018
Message 31 of 38
Regular Contributor

Re: March 2018 Check In Thread


@ohjoywrote:

Starting scores and goals for March

 

EQ 743

TU 753

EX 723

 

My goal for this month is to increase my scores so that they, at least, reach my highest scores (EQ 764, TU 760, EX 727).. Possible obstacles to this is that I'm carrying balances now (0% interest promos) and I opened a new AX ED card. Not sure how that will all impact my scores but, I'm hoping to make some moves to get score increases anyway.

 

Factors that may help: additional month of aging, carrying balance, keeping util under 20%, no app'g, and whatever other rabbits that I can pull out of a hat.

 

Also, working on building business credit. Hopefully that will allow me to stay away from personal credit activities.

 

Good luck to us all.


*long drawn out sigh*

 

Welp.  I'm just going to blame it on March Madness. In addition to app'g Amex ED, I ended up getting a Walmart card and Paypal Extra MC. I guess I can justify the Paypal Extra for the 3% on restaurants but, good lord, I have no idea how I ended up app'g Walmart. I mean, I don't even like Walmart. And it's not a Walmart MC. It's just the plain ol' store card. *hangs head in shame*

 

So yeah. My AAoA takes a hit, I have added inqs and my scores drop, of course. So today I'm sitting at

EQ: 737 

TU: 740 

EX: 722 

 

And, quite frankly, I still don't think the dust has settled. smh. I mean, it's not the end of the world but, I thought I'd post this update, like this, to teach myself a lesson. I really should have been more disciplined and stuck to my no app'g strategy at least until June. But instead, I threw it all away for nonsense. Ah well. Lesson learned. Butt kicked. Moving forward.

Starting Score (May 2017): 584 TU
Highest Scores: 760 TU, 764 EQ, 727 EX
Current Scores: 747 TU, 745 EQ, 726 EX

Goal Score: 820+




Message 32 of 38
Community Leader
Valued Contributor

Re: March 2018 Check In Thread


@ohjoywrote:

@ohjoywrote:

Starting scores and goals for March

 

EQ 743

TU 753

EX 723

 

My goal for this month is to increase my scores so that they, at least, reach my highest scores (EQ 764, TU 760, EX 727).. Possible obstacles to this is that I'm carrying balances now (0% interest promos) and I opened a new AX ED card. Not sure how that will all impact my scores but, I'm hoping to make some moves to get score increases anyway.

 

Factors that may help: additional month of aging, carrying balance, keeping util under 20%, no app'g, and whatever other rabbits that I can pull out of a hat.

 

Also, working on building business credit. Hopefully that will allow me to stay away from personal credit activities.

 

Good luck to us all.


*long drawn out sigh*

 

Welp.  I'm just going to blame it on March Madness. In addition to app'g Amex ED, I ended up getting a Walmart card and Paypal Extra MC. I guess I can justify the Paypal Extra for the 3% on restaurants but, good lord, I have no idea how I ended up app'g Walmart. I mean, I don't even like Walmart. And it's not a Walmart MC. It's just the plain ol' store card. *hangs head in shame*

 

So yeah. My AAoA takes a hit, I have added inqs and my scores drop, of course. So today I'm sitting at

EQ: 737 

TU: 740 

EX: 722 

 

And, quite frankly, I still don't think the dust has settled. smh. I mean, it's not the end of the world but, I thought I'd post this update, like this, to teach myself a lesson. I really should have been more disciplined and stuck to my no app'g strategy at least until June. But instead, I threw it all away for nonsense. Ah well. Lesson learned. Butt kicked. Moving forward.


Hey ohjoy. You sound like you're a lot like me. Don't be too hard on yourself. I've been there, done that, and just earlier this month, but have nothing to show for it. Look on the bright side, you got two approvals. And if you really don't want the Walmart card, just don't activate, and call and cancel it before it opens. Hopefully that's possible. Smiley Happy


Current Scores------ EQ 681; TU 657; EX 690 FICO 08--- Gardening 5/25/18 to 5/25/19
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Message 33 of 38
Regular Contributor

Re: March 2018 Check In Thread


@Bella007wrote:

@ohjoywrote:

@ohjoywrote:

Starting scores and goals for March

 

EQ 743

TU 753

EX 723

 

My goal for this month is to increase my scores so that they, at least, reach my highest scores (EQ 764, TU 760, EX 727).. Possible obstacles to this is that I'm carrying balances now (0% interest promos) and I opened a new AX ED card. Not sure how that will all impact my scores but, I'm hoping to make some moves to get score increases anyway.

 

Factors that may help: additional month of aging, carrying balance, keeping util under 20%, no app'g, and whatever other rabbits that I can pull out of a hat.

 

Also, working on building business credit. Hopefully that will allow me to stay away from personal credit activities.

 

Good luck to us all.


*long drawn out sigh*

 

Welp.  I'm just going to blame it on March Madness. In addition to app'g Amex ED, I ended up getting a Walmart card and Paypal Extra MC. I guess I can justify the Paypal Extra for the 3% on restaurants but, good lord, I have no idea how I ended up app'g Walmart. I mean, I don't even like Walmart. And it's not a Walmart MC. It's just the plain ol' store card. *hangs head in shame*

 

So yeah. My AAoA takes a hit, I have added inqs and my scores drop, of course. So today I'm sitting at

EQ: 737 

TU: 740 

EX: 722 

 

And, quite frankly, I still don't think the dust has settled. smh. I mean, it's not the end of the world but, I thought I'd post this update, like this, to teach myself a lesson. I really should have been more disciplined and stuck to my no app'g strategy at least until June. But instead, I threw it all away for nonsense. Ah well. Lesson learned. Butt kicked. Moving forward.


Hey ohjoy. You sound like you're a lot like me. Don't be too hard on yourself. I've been there, done that, and just earlier this month, but have nothing to show for it. Look on the bright side, you got two approvals. And if you really don't want the Walmart card, just don't activate, and call and cancel it before it opens. Hopefully that's possible. Smiley Happy


I'm not new to app remorse and have learned that even if it's closed immediately without activating, I've already taken the new account and inq hits so, once I received it, I requested CLI from $1900 to $5000. May as well make the best of it and help my util, which isn't really needed but, hey. It's something. Tried to up the Paypal limit but they were all, "nah". Ah well. $3K it is. I'll take it. And to make myself feel better, I went through my Commenity cards and upped those limits with SP for a total of $2500 CLI increases to also go towards util.

 

Now to review my month and activities and update my strategy. *sips coffee*  Good morning.

Starting Score (May 2017): 584 TU
Highest Scores: 760 TU, 764 EQ, 727 EX
Current Scores: 747 TU, 745 EQ, 726 EX

Goal Score: 820+




Message 34 of 38
Community Leader
Valued Contributor

Re: March 2018 Check In Thread


@ohjoywrote:

@Bella007wrote:

@ohjoywrote:

@ohjoywrote:

Starting scores and goals for March

 

EQ 743

TU 753

EX 723

 

My goal for this month is to increase my scores so that they, at least, reach my highest scores (EQ 764, TU 760, EX 727).. Possible obstacles to this is that I'm carrying balances now (0% interest promos) and I opened a new AX ED card. Not sure how that will all impact my scores but, I'm hoping to make some moves to get score increases anyway.

 

Factors that may help: additional month of aging, carrying balance, keeping util under 20%, no app'g, and whatever other rabbits that I can pull out of a hat.

 

Also, working on building business credit. Hopefully that will allow me to stay away from personal credit activities.

 

Good luck to us all.


*long drawn out sigh*

 

Welp.  I'm just going to blame it on March Madness. In addition to app'g Amex ED, I ended up getting a Walmart card and Paypal Extra MC. I guess I can justify the Paypal Extra for the 3% on restaurants but, good lord, I have no idea how I ended up app'g Walmart. I mean, I don't even like Walmart. And it's not a Walmart MC. It's just the plain ol' store card. *hangs head in shame*

 

So yeah. My AAoA takes a hit, I have added inqs and my scores drop, of course. So today I'm sitting at

EQ: 737 

TU: 740 

EX: 722 

 

And, quite frankly, I still don't think the dust has settled. smh. I mean, it's not the end of the world but, I thought I'd post this update, like this, to teach myself a lesson. I really should have been more disciplined and stuck to my no app'g strategy at least until June. But instead, I threw it all away for nonsense. Ah well. Lesson learned. Butt kicked. Moving forward.


Hey ohjoy. You sound like you're a lot like me. Don't be too hard on yourself. I've been there, done that, and just earlier this month, but have nothing to show for it. Look on the bright side, you got two approvals. And if you really don't want the Walmart card, just don't activate, and call and cancel it before it opens. Hopefully that's possible. Smiley Happy


I'm not new to app remorse and have learned that even if it's closed immediately without activating, I've already taken the new account and inq hits so, once I received it, I requested CLI from $1900 to $5000. May as well make the best of it and help my util, which isn't really needed but, hey. It's something. Tried to up the Paypal limit but they were all, "nah". Ah well. $3K it is. I'll take it. And to make myself feel better, I went through my Commenity cards and upped those limits with SP for a total of $2500 CLI increases to also go towards util.

 

Now to review my month and activities and update my strategy. *sips coffee*  Good morning.


I just wanted to throw out options. I'm not new to app remorse either, lol! It is easier though when it's an approval and not a denial. Smiley Happy


Current Scores------ EQ 681; TU 657; EX 690 FICO 08--- Gardening 5/25/18 to 5/25/19
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Message 35 of 38
Regular Contributor

Re: March 2018 Check In Thread


@Bella007wrote:

@ohjoywrote:

@Bella007wrote:

@ohjoywrote:

@ohjoywrote:

Starting scores and goals for March

 

EQ 743

TU 753

EX 723

 

My goal for this month is to increase my scores so that they, at least, reach my highest scores (EQ 764, TU 760, EX 727).. Possible obstacles to this is that I'm carrying balances now (0% interest promos) and I opened a new AX ED card. Not sure how that will all impact my scores but, I'm hoping to make some moves to get score increases anyway.

 

Factors that may help: additional month of aging, carrying balance, keeping util under 20%, no app'g, and whatever other rabbits that I can pull out of a hat.

 

Also, working on building business credit. Hopefully that will allow me to stay away from personal credit activities.

 

Good luck to us all.


*long drawn out sigh*

 

Welp.  I'm just going to blame it on March Madness. In addition to app'g Amex ED, I ended up getting a Walmart card and Paypal Extra MC. I guess I can justify the Paypal Extra for the 3% on restaurants but, good lord, I have no idea how I ended up app'g Walmart. I mean, I don't even like Walmart. And it's not a Walmart MC. It's just the plain ol' store card. *hangs head in shame*

 

So yeah. My AAoA takes a hit, I have added inqs and my scores drop, of course. So today I'm sitting at

EQ: 737 

TU: 740 

EX: 722 

 

And, quite frankly, I still don't think the dust has settled. smh. I mean, it's not the end of the world but, I thought I'd post this update, like this, to teach myself a lesson. I really should have been more disciplined and stuck to my no app'g strategy at least until June. But instead, I threw it all away for nonsense. Ah well. Lesson learned. Butt kicked. Moving forward.


Hey ohjoy. You sound like you're a lot like me. Don't be too hard on yourself. I've been there, done that, and just earlier this month, but have nothing to show for it. Look on the bright side, you got two approvals. And if you really don't want the Walmart card, just don't activate, and call and cancel it before it opens. Hopefully that's possible. Smiley Happy


I'm not new to app remorse and have learned that even if it's closed immediately without activating, I've already taken the new account and inq hits so, once I received it, I requested CLI from $1900 to $5000. May as well make the best of it and help my util, which isn't really needed but, hey. It's something. Tried to up the Paypal limit but they were all, "nah". Ah well. $3K it is. I'll take it. And to make myself feel better, I went through my Commenity cards and upped those limits with SP for a total of $2500 CLI increases to also go towards util.

 

Now to review my month and activities and update my strategy. *sips coffee*  Good morning.


I just wanted to throw out options. I'm not new to app remorse either, lol! It is easier though when it's an approval and not a denial. Smiley Happy


Ain't that the truth!  Smiley Very Happy 

Starting Score (May 2017): 584 TU
Highest Scores: 760 TU, 764 EQ, 727 EX
Current Scores: 747 TU, 745 EQ, 726 EX

Goal Score: 820+




Message 36 of 38
Regular Contributor

Re: March 2018 Check In Thread


@ohjoywrote:

@Bella007wrote:

@ohjoywrote:

@ohjoywrote:

Starting scores and goals for March

 

EQ 743

TU 753

EX 723

 

My goal for this month is to increase my scores so that they, at least, reach my highest scores (EQ 764, TU 760, EX 727).. Possible obstacles to this is that I'm carrying balances now (0% interest promos) and I opened a new AX ED card. Not sure how that will all impact my scores but, I'm hoping to make some moves to get score increases anyway.

 

Factors that may help: additional month of aging, carrying balance, keeping util under 20%, no app'g, and whatever other rabbits that I can pull out of a hat.

 

Also, working on building business credit. Hopefully that will allow me to stay away from personal credit activities.

 

Good luck to us all.


*long drawn out sigh*

 

Welp.  I'm just going to blame it on March Madness. In addition to app'g Amex ED, I ended up getting a Walmart card and Paypal Extra MC. I guess I can justify the Paypal Extra for the 3% on restaurants but, good lord, I have no idea how I ended up app'g Walmart. I mean, I don't even like Walmart. And it's not a Walmart MC. It's just the plain ol' store card. *hangs head in shame*

 

So yeah. My AAoA takes a hit, I have added inqs and my scores drop, of course. So today I'm sitting at

EQ: 737 

TU: 740 

EX: 722 

 

And, quite frankly, I still don't think the dust has settled. smh. I mean, it's not the end of the world but, I thought I'd post this update, like this, to teach myself a lesson. I really should have been more disciplined and stuck to my no app'g strategy at least until June. But instead, I threw it all away for nonsense. Ah well. Lesson learned. Butt kicked. Moving forward.


Hey ohjoy. You sound like you're a lot like me. Don't be too hard on yourself. I've been there, done that, and just earlier this month, but have nothing to show for it. Look on the bright side, you got two approvals. And if you really don't want the Walmart card, just don't activate, and call and cancel it before it opens. Hopefully that's possible. Smiley Happy


I'm not new to app remorse and have learned that even if it's closed immediately without activating, I've already taken the new account and inq hits so, once I received it, I requested CLI from $1900 to $5000. May as well make the best of it and help my util, which isn't really needed but, hey. It's something. Tried to up the Paypal limit but they were all, "nah". Ah well. $3K it is. I'll take it. And to make myself feel better, I went through my Commenity cards and upped those limits with SP for a total of $2500 CLI increases to also go towards util.

 

Now to review my month and activities and update my strategy. *sips coffee*  Good morning.


Went back and double dipped on the Commenity cards so, that's an additional $2500 making Commenity CLI $5K total. I'll take it.

Starting Score (May 2017): 584 TU
Highest Scores: 760 TU, 764 EQ, 727 EX
Current Scores: 747 TU, 745 EQ, 726 EX

Goal Score: 820+




Message 37 of 38
Regular Contributor

Re: March 2018 Check In Thread

I am in debt settlement program, and my credit scores have tanked as a result. I have 10 accounts, all of which equate to $34,000 in debt, in deliquency because the program instructed me not to pay for them. As of now, I have settled 1 of the 10 accounts, which feels great. 

 

I have 5 active accounts, all of which are paid in full, but they are all store cards and are not helping my score enough. My credit scores are roughly 470, which is embarassing.

 

Thankfully, though, I applied for 3 secured cards—from Capital One Bank, Merrick Bank, and Green Dot Bank—and was approved for all of them. I also applied for the Horizon Gold Card (it's a fee-laden card, but they provide generous credit line increases). Additionally, I have applied for the Surge Mastercard (for temporary use), and I am waiting for the bank to approve or reject me. 

 

My goal is to finish my 3-year debt settlement plan and to start using my new cards responsbility so as to raise my scores to the 650s. 

 

 

 

 

 

 

Starting Score: 741
Current Score: TU (526), EX (561), EQ (491)
Goal Score: 610


Take the myFICO Fitness Challenge


Card Lineup: Green Dot Bank Secured Visa ($205), Capital One Bank Secured Mastercard ($200), Applied Bank Secured Visa ($200), Merrick Bank Secured Visa ($200), Installment Loan ($330/$750) and Fingerhut Webbank Fresh Start ($230).

Goals:
- To settle all delinquent accounts by Jul. 2021
- To go without applying until May. 2020 (when all my inquiries fall off)
- To start a savings account
- To pay off my secured cards
“If you don't take good care of your credit, then your credit won't take good care of you.” - Tyler Gregory
Message 38 of 38