Just found this page/thread. I like! Suits me better than the Gardening thread.
GOAL: Other than getting back to 850 on TU and EQ my goal is to achieve this on EX and reduce debt...again.
PROGRESS: I was pleased my lone 30d at 6Y10M was deleted in October. Now all bureaus clean. Thought I'd see more of an increase as I received pretty large increases when it was removed from TU and EQ, but just glad it's clean. YAY!!!!
SMALL MILESTONE: Now after a needed expense in September I was able to bring my AGG UTL back to <8.9% and 1 individual card at 41% down to below 33%.
UNFORESEEN EXPENSE/POTHOLE & SPEED BUMP : But Wait!!! Says the Demon called Debt, you now have a 4K auto repair. WTH! Grrrr.
Oh well, back to the grind.
@Anonymous wrote:
@Luciferinteresting that your Fico Scores are lower than your other scores. In my case it is the other way.
For me the biggest reasons I can come up with is the weight the other Fico and Vantage Scores put on Mortgage and Auto Loans percent of paid down balances. Another words DTI for me.
Until recently my F8's were above my Fakos....then ted closing in on 800 and the Fako vantage kept rising and the F8's hit the brakes. My F9 is sittting at 825 but I think that scale goes up to 900.
Ooooohhhhh lookey here....the Boa luv button has returned..... I think we know what Lucifer is doing later today !
@Trudy wrote:Just found this page/thread. I like! Suits me better than the Gardening thread.
Welcome to our humble thread where there is sanity and reason. Those gardening people are cray cray with their 5,000 pages a month.
@Lucifer you're wrong. I think it might be for the best if you avoid frequent dramatic mentions of thread you dont participate in.
It only leads to more drama, but more importantly, those who would participate here may not feel inclined to do so after reading that
Thank you
@Remedios wrote:@Lucifer you're wrong. I think it might be for the best if you avoid frequent dramatic mentions of thread you dont participate in.
It only leads to more drama, but more importantly, those who would participate here may not feel inclined to do so after reading that
Thank you
Well, I mean, opinions aren't really wrong but what's right is different for different people. And assuming I wouldn't gladly participate in either thread( I have in both) or with people from differing threads is well...assuming things. But thinking I have that much influence over people - well, I've gotten that blame for eternity :-)
Lucifer is a happy, welcoming devil.
:-P
Nowwwwww, back to the issues at hand.
Lucifer just got his first F8 of the month.....
Drum roll please.......
802 Baby !!!!!! 802 !!!! Ohhhh yeaaa. This has been a long road. I still need to see if my other F8 made it to the hurdle but it will.
I know it says my starting point was in the 700's but we can go further back in time when Lucifer was the owner of a 3XX credit score and life was a freaking mess.
So to anyone reading this.... If Lucifer can make it to 800, so can you !!!!
Ahhhhhhhhhhhhhhhhhhhhhhhhhhhh. I'm just sitting here soaking in the moment - a moment that at points in my life, I though would never come. But. Here it is.
I have exceptional credit.
You should participate in both threads
Think of it like a credit mullet ...business in the front (here), party in the back (GT)