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November 2022 Check-In Thread

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Kenny
Moderator Emeritus

November 2022 Check-In Thread

Places-to-visit-in-November

 

I know 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-judging 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 14
13 REPLIES 13
Dinosaur
Moderator Emeritus

Re: November 2022 Check-In Thread

Oh the land of opportunities and Thanksgiving Smiley Happy

Again, time for me to AZEO and pay more on the Heloc. Need to get the debt back on track. Smiley Sad

Interest rates on credit are not our friends! Smiley Surprised

Starting Score: 850
Current Score: EX 836 EQ 840 TU 834
Goal Score: 850


Take the myFICO Fitness Challenge
Message 2 of 14
mgood
Established Contributor

Re: November 2022 Check-In Thread

Last month all 40 scores went up by an average of 14 points. I said in my post at the time that that bubble was about to burst due to more utilization coming, and it did. Most scores went down, a few went up. Average across all 40 is -2.95 points. Could have been worse. It will come back up over the next couple months as my utilization creeps back down (barring any unexpected expenses).

-_AU:_-_Goals:_

Starting Score: EQ8 680, TU8 713, EX8 701
Current Score: EQ8 761, TU8 743, EX8 759 as of Nov 27
Goal Score: EQ8 780, TU8 780, EX8 780

Take the myFICO Fitness Challenge
AZE5 - 10% Utl - 50 days until 4/24
Message 3 of 14
Mdowning30
Frequent Contributor

Re: November 2022 Check-In Thread

My Experian fico 8 has reached its highest score to date, currently at 661. All of my accounts are under 10% except my Freedom Flex and Amazon Prime. I need to pay down the Flex so i can gain some more points. I activated my Hilton Honors Surpass card and enrolled in the Priority Pass Select, and waiting for my American Express Rewards Checking Debit card to arrive.

Chase Freedom Flex : $3000 | Discover It Chrome : $2000 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $5000 | Chase Amazon Prime : $500 | AmEx Hilton Surpass : $1000 | AmEx Business Plus : $2000
Total Credit Limit : $19500
As of 11/2022: Experian FICO 8 : 665 | Experian Vantage : 675 | Equifax FICO 8 : 630 | TransUnion FICO 8 : 671 | TransUnion Vantage : 678
Starting Score: 512
Current Score: 671
Goal Score: 670+

Take the myFICO Fitness Challenge
Message 4 of 14
Peterparkyr
New Contributor

Re: November 2022 Check-In Thread

Got a nice surprise when I updated today.   EQ crossed 700!  Feels good. 10 months into my rebuild and a 90 point increase! 

The other two are lagging as I wait for CAs to drop (22 momths for EX and 5yrs for TU).  Had to exit the garden temporarily for a business loan. Fingers crossed on that one.  They pulled EQ, which works in my favor. 

 

Thanks all for the guidance,  it's been invaluable! 





Currently Rebuilding Since 1/7/2022
Gardening Since 11/4/2022 (last inquiry 11/4/2022)

Starting Score: 611
Current Score: 665
Goal Score: 750


Take the myFICO Fitness Challenge

Was in high 400s in 2020-2021

Current Scores:
Fico 8 EQ: 701
Fico 8 EX: 659
Fico 8 TR: 665
Message 5 of 14
Dinosaur
Moderator Emeritus

Re: November 2022 Check-In Thread


@Peterparkyr wrote:

Got a nice surprise when I updated today.   EQ crossed 700!  Feels good. 10 months into my rebuild and a 90 point increase! 

The other two are lagging as I wait for CAs to drop (22 momths for EX and 5yrs for TU).  Had to exit the garden temporarily for a business loan. Fingers crossed on that one.  They pulled EQ, which works in my favor. 

 

Thanks all for the guidance,  it's been invaluable! 


WOW! A 90 point increase ... now that is something to "crow about" ... Smiley Very Happy

Starting Score: 850
Current Score: EX 836 EQ 840 TU 834
Goal Score: 850


Take the myFICO Fitness Challenge
Message 6 of 14
Mdowning30
Frequent Contributor

Re: November 2022 Check-In Thread

I paid off one of my cards, and my car refinance loan is reporting now after 3 months. My EX Fico 8 now at 665, almost "Good" which is a big deal for me.

Chase Freedom Flex : $3000 | Discover It Chrome : $2000 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $5000 | Chase Amazon Prime : $500 | AmEx Hilton Surpass : $1000 | AmEx Business Plus : $2000
Total Credit Limit : $19500
As of 11/2022: Experian FICO 8 : 665 | Experian Vantage : 675 | Equifax FICO 8 : 630 | TransUnion FICO 8 : 671 | TransUnion Vantage : 678
Starting Score: 512
Current Score: 671
Goal Score: 670+

Take the myFICO Fitness Challenge
Message 7 of 14
Dinosaur
Moderator Emeritus

Re: November 2022 Check-In Thread


@Mdowning30 wrote:

I paid off one of my cards, and my car refinance loan is reporting now after 3 months. My EX Fico 8 now at 665, almost "Good" which is a big deal for me.


Keep up the good work and have faith! Many of us on this Forum understand how good "665" really feels ... especially after taking the deep dive.

 

You will get there with patience ... the hardest part!  Smiley Surprised

Starting Score: 850
Current Score: EX 836 EQ 840 TU 834
Goal Score: 850


Take the myFICO Fitness Challenge
Message 8 of 14
Peterparkyr
New Contributor

Re: November 2022 Check-In Thread


@Mdowning30 wrote:

I paid off one of my cards, and my car refinance loan is reporting now after 3 months. My EX Fico 8 now at 665, almost "Good" which is a big deal for me.


Congrats! We're in the same place right now.   Time and patience. 





Currently Rebuilding Since 1/7/2022
Gardening Since 11/4/2022 (last inquiry 11/4/2022)

Starting Score: 611
Current Score: 665
Goal Score: 750


Take the myFICO Fitness Challenge

Was in high 400s in 2020-2021

Current Scores:
Fico 8 EQ: 701
Fico 8 EX: 659
Fico 8 TR: 665
Message 9 of 14
Dinosaur
Moderator Emeritus

Re: November 2022 Check-In Thread

The November 2022 Check-In Thread is sure full of focused MyFicoers with sights set on good credit! Impressive for sure! Smiley Happy
Starting Score: 850
Current Score: EX 836 EQ 840 TU 834
Goal Score: 850


Take the myFICO Fitness Challenge
Message 10 of 14
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