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March 2021 Check In Thread

M_Smart007
Epic Contributor

Re: March 2021 Check In Thread

Missed @GApeachy 's postSmiley Sad

Message 31 of 39
GApeachy
Super Contributor

Re: March 2021 Check In Thread


@M_Smart007 wrote:

Missed @GApeachy 's postSmiley Sad


Oh wow, how did I forget?!? Spring Fever and projects I suppose.

Thanks @M_Smart007 for the nudge. ❤️

Next month is my date with the LO and of course 2 of 5 of my oldest tl's (2 pd off loans) fell off 1 month early, last month, dropping my score around 10 points. AZEO full-trottle has already helped recover a few pts.  Just purchased tires on Car Care, will ditch that promo for the sake of points.  Already ditched my Lowe's promo when my scores took a dive....I should be good.  At least dh's scores are always strong vs. my overly sensitive digits. After this date with the LO, I'm gonna run amuck!  (Run with scissors too)😜

Good Luck everyone!!!

"My Take Home Pay Don't Take Me Home"
Message 32 of 39
eva21513
Member

Re: March 2021 Check In Thread

Got my monthly Experian refresh today and it was the good news I needed after a few very bad days! My new score as of today, Experian, myFico as the source, is 664! And that's even though I mis-timed the posting of some items and had about 50% utilization (normally under 10%). The change is from the settlement of my last collection posting Smiley Happy I'm hoping it'll go up a few more points next month when my utilization is back to normal.

12/20/2020 Starting Score (Experian): 582
02/25/2021: 648
03/25/2021: 664
4/25/2021: 682
12/31/2021 Goal Score: 670


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Message 33 of 39
ComeBackLady
Established Contributor

Re: March 2021 Check In Thread


@eva21513 wrote:

Got my monthly Experian refresh today and it was the good news I needed after a few very bad days! My new score as of today, Experian, myFico as the source, is 664! And that's even though I mis-timed the posting of some items and had about 50% utilization (normally under 10%). The change is from the settlement of my last collection posting Smiley Happy I'm hoping it'll go up a few more points next month when my utilization is back to normal.


That's terrific news. Congratulations! And congratulations on clearing what you could! Well done! 👏🏻👏🏻👏🏻 And welcome to the community. 

Starting Score: June 2020: 502
Current Score: EX: May 15 - 687, EQ: APR 2021 – 668, MAY 2021 – 726, APR 26 - TU: 673
May 15 - TU: 697

Goal Score: Good: 670 by May ✅. By JUN 675✅,
Come on 680 across all 3 ✅, 690’s by JUN. Over 700 in 2021, ideally 725plus, 805 LT
Inquiries: 30/0, 60/1, 90/6, 12/13
TCL: JUN 2020 $700, MAY 2021 $13,051
AAoA 1 YR 6 Months AoYA 7 weeks
2021 Goal Cards: NAFs and $5K CL’s


Bank and Credit Union Memberships:

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Message 34 of 39
Doodlebug30
Frequent Contributor

Re: March 2021 Check In Thread

Well, my gardening was interrupted by a car purchase. Couldnt be avoided. So i got a few inquiries but i drove home with a 2017 Lincoln MKC and a 4.9% interest rate which isnt too shabby....

Message 35 of 39
nightswimming
Valued Member

Re: March 2021 Check In Thread


@eva21513 wrote:

Got my monthly Experian refresh today and it was the good news I needed after a few very bad days! My new score as of today, Experian, myFico as the source, is 664! And that's even though I mis-timed the posting of some items and had about 50% utilization (normally under 10%). The change is from the settlement of my last collection posting Smiley Happy I'm hoping it'll go up a few more points next month when my utilization is back to normal.


Excellent work! Looks like you might need a new goal very soon in your sig. Smiley Wink



$90,650 total revolving CL, 21.79% util

Starting Score (Sep 2020): Equ 646, TU 663, Exp 626
Current Score: Equ 717, TU 714, Exp 726
Goal Score: 800


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Message 36 of 39
RA26
New Contributor

Re: March 2021 Check In Thread

Woohoo! I'm updating before the end of the month. 

 

Although at last pull not everything has updated even though two of the cards should have updated. I used a store card and paid it off but apparently not in time and the statement cut last month with the 20$ charge and it has yet to update for March even though it should have around the 17th. I paid off that charge, a small cc and one of my husband's small credit cards. I also paid down another small balance to half of what it was. 

 

When all those actually update I will be down to 81% from 85% at the beginning of the month. Score also went up to 644 on Experian. 

 

Also caught up on our forbearance loan payments even though they didn't need to be. We didn't want to get caught with a payment plan that we couldn't afford. So hopefully from here on out, we can keep knocking down these really terrible cc balances. 

Happy day!

 

Starting Score: 633
Current Score: 638
Goal Score: 700


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Message 37 of 39
Dinosaur
Moderator Emeritus

Re: March 2021 Check In Thread

@RA26you can be very pleased with your attack on outstanding debt! You earned a "job well done". Credit is a slow process for improvement so keep eliminating debt and your credit will serve you well Smiley Happy

Starting Score: 850
Current Score: 850
Goal Score: 850


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Message 38 of 39
driftingzen
New Member

Re: March 2021 Check In Thread

I just started posting today but I joined the forum a little while back. My starting score in 2021 was 720, but I went on an apping spree and it dropped down to 670. I haven't app'd for anything since but have been requesting CLI on various cards. My score, as of 3/18 is 690 and just trying to keep blinders on and stay the course to bring my score back up a bit. Stage one goal is 750 and will my goal score once the 750 is reached! 

Starting Score: 720
Current Score: 690
Goal Score: 750


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Message 39 of 39
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