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May 2024 Check In Thread

Moderator Emeritus

May 2024 Check In Thread

Hello May Pictures, Photos, and Images for Facebook ...


I'm sure you are all hard at work with your credit goals. Have you progressed as far as you hoped?  Were there any unforeseen expenses that cropped up and may have thrown you off schedule?


As a reminder, participation in these monthly check-ins is optional but encouraged. The goal is to help keep you on track, so feel free to post your progress updates here. This is a no-judge zone; feel free to say what's keeping you up at night or give yourself a Kudo for having it all together.


Did you hit any potholes or speedbumps? Achieve some milestones, either small or mighty? Change your goals or add new ones?


Let us know how you're doing! 

Message 1 of 16
Established Contributor

Re: May 2024 Check In Thread

My newest card hit 30 days yesterday and the first statement cut so it should start reporting. Since it has a 0% intro rate I'm using about $6500 of the CL for a house project so I can keep my cash in the bank. That amounts to ~32% utilization on that card (4% total) so I'm curious what the damage will be to my score once I look.

Message 2 of 16
Regular Contributor

Re: May 2024 Check In Thread

Rebuilding from a fico 8 of 505 since December of 21

   Currently at my all time highs of 766eq, 758ex, 752tu


goals this month are to keep up my on time payments and let my profile continue to age. 

my other goal is to join a cu this month and start building a relationship in hopes of a future credit card with a healthy limit with them. 

I put in an app for a Penfed online savings account but they did not get back to me yet

email said I'd hear from them in three to five business days,   It's been almost ten

I sent a follow up email to them with my application number yesterday.   If I don't hear back by Monday I'll just pick a different cu



Starting Score:FICO8s 505ex, 508 eq&tu
Current Score:FICO8s 763ex,770tu,772eq
Goal Score: 800+

Take the myFICO Fitness Challenge
Current cards:
Cap1 platinum 200
Cap1 Walmart 1500
Credit one Amex 550
Mission lane visa 400
Lowe’s 30,000
Started Rebuilding Dec 2021

Always pif, AZEO, never late
0/24 on inq’s & new accounts
AAoA 2yrs3mo
All time highs (fico8) :

Formerly known as @44456009a
Total CL: $32,650
Message 3 of 16
Established Member

Re: May 2024 Check In Thread

@Snook_on_the_Line  Try NFCU if you can. I am a member of PenFed, used to use them for my main checking but moved it to NFCU, not sure what's taking them so long to respond to you. Alliant is another great one to consider. 

Starting Score: 543
Current Score: 543
Goal Score: 675

Take the myFICO Fitness Challenge
Message 4 of 16
Valued Contributor

Re: May 2024 Check In Thread

May 1 , 3B pull:
Big jumps, especially on Experian. I was expecting a little, like 7 points on Ex 8, but it went up 27 points! (20 points over last month, but 27 over yesterday.)

Experian was the star of the show today:

8 up 20 to 797

9 up 22 to 808

2 no change, 758

Auto 2 no change, 762

Auto 8 up 22 to 806

Auto 9 up 22 to 811

Bankcard 8 up 30 to 834 Smiley Surprised

Bankcard 2 up 10 to 766

3 up 4 to 764

Bankcard 9 up 22 to 818

10 up 17 to 778

10T no change, 782

Auto 10 up 23 to 785

Bankcard 10 up 16 to 780



I didn't know what I had done to so impress them. . . . Then I looked back at some details in the report. I have a personal loan from PenFed. It usually reports a month or so behind where I actually am on payments. I recently got it paid down below 10% of the original amount ($909 of $10k). That is showing a balance of $909 on Experian but still showing $1231 on Equifax and TransUnion. The people here weren't kidding when they said you get a boost when your loan balance is below 10%.

EQ8 809, TU8 790, EX8 797 as of May 25
AZE4 - 2% Utl - New Accts: 3/6, 3/12, 7/24
Message 5 of 16
Established Contributor

Re: May 2024 Check In Thread

Awesome; congrats @mgood

Message 6 of 16
Valued Contributor

Re: May 2024 Check In Thread

Still gardening. May go for the Citi AT&T card. $250 SUB with only $500 spend.😁

Message 7 of 16
Valued Contributor

Re: May 2024 Check In Thread

There it is! 😲

Goal accomplished. 






When I started this I set my goal at 740. I said back then that when I reach 740, I'm going to raise the goal to 780. 740 came quick.  780 has taken a while. No, I'm not raising the bar to 800 at this time.  I'm here and I'm happy about it. 🙂🙃🙂


I'm going to go buy a Corvette and mess up that score before my BCP reports 😎


EDIT: Equifax updated. Never before have I had an 800 on a FICO 8 score.



EQ8 809, TU8 790, EX8 797 as of May 25
AZE4 - 2% Utl - New Accts: 3/6, 3/12, 7/24
Message 8 of 16
Established Contributor

Re: May 2024 Check In Thread


Message 9 of 16
Moderator Emeritus

Re: May 2024 Check In Thread

Paid off my car loan and got pummeled. Down an average of about 23 points across the three. EQ took it the hardest at -27.


Made a major purchase and will carry a balance on a card for a few months. It's 0%, so all good, but will be maxed out for all intents and purposes. My scores will rebound in a few months.


New scores in siggy. They are all still above 800 for the time being.

Starting Score: 469
Current Score: 846
Goal Score: 850

Take the myFICO Fitness Challenge
Message 10 of 16
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