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March 2023 Check In Thread

Valued Contributor

Re: March 2023 Check In Thread

I have everything I need after my recent 2 apps and my rebuild journey has me in a good place. I owe it all to this community and its members. The guidance in the early post discharge days was invaluable in setting me up for a successful rebuild. My BK will drop off CR a little over a year from now ( EE TU 3/23) and I plan to garden indefininetly. What a turn-around it's been Smiley Happy

NFCU Visa 25k | NFCU Platinum 25k | Cap1 QS 11K | Cap1 QS 10.5K | Barclay MC 9k | Delta Gold Amex 20K | Discover IT 9.5K | CFNA FS 3200 | CareCredit 12k| Paypal Credit 3.5k |1 year till BK7 disappears |
( EE from TU)
Message 11 of 12

Re: March 2023 Check In Thread

I'm starting the challenge officially today, however, I have taken some steps towards my 2023 goals.


1) I paid my Capital One Spark card down to $0 this past week. Unfortunately, because I paid towards the end of the payment cycle, I was charged interest anyway. I made the interest payment this morning. I should see the minimal balance report from the interest this month. Waiting to see the effect from bringing my utilization down to less than 1% on that card.

2) I also sent a godwill request for the removal of late payments given the circumstances that caused them - waiting to hear back.



Starting Score: EQ 583 | TU 618 | EX 581
Current Score: EQ 591 | TU 622 | EX 594
Goal Score: EQ 695 | TU 710 | EX 690

Take the myFICO Fitness Challenge
Message 12 of 12
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