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November 2022 Check-In Thread

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Valued Member

Re: November 2022 Check-In Thread

Been a cycle for me as of late.

- down to 1k cc debt overall > take a vacation, run it up

- pay it down > take a vacation, run it up

- pay it down, accept a new job out of state > take a fall, have to get cosmetic dental surgery (4.5k)

Thankfully the job i took, I'm making the most money I've ever made and that will be paid off next week. 


I think having a plan and sticking to it has really helped me. I think I've also been paying too much attention to statement closing dates/ utilization/ reporting, rather than the finances in general. I'm now allotting more to the interest bearing card (savor one) while paying the minimum on  the 0% (CFF). The move added some debt, but another 2-3 weeks and I'll be back at 1k to try again lol.



Collections: 3 | Defaulted US DOE/ fed loan servicing- paid | Charge off: 1 | Late payments: yes
Message 11 of 14
Established Contributor

Re: November 2022 Check-In Thread

Fico8 EQ and TU are at 750, but expect to fall down after 4 new accounts report.

EX naturally lowest st 724, has been the same awhile now(now 27 inqs in 2 yrs!) 

Apr/21 C1 Plat. Secured(500->700):CLOSED, Aug; CITI DC(1000->1500->3000); PC to CC(Oct/22), Sep; CFF(500), Oct; Amazon store card(2100->4000->6000), CITI Best Buy store card(2000):CLOSED, Nov; Tomo(2000->3000), Jan/22; C1 S1(2000->2400), Feb/22; Disco It CB(3000->4500), Oct/22; WF Bilt(2500), Citi AA MileUp(7300), PenFed PowerCash(2000), Banc of California Max Cash Preferred(500)
FICO8 EX 727 EQ 750 TU 746 FICO9 EX 731 EQ TU util 1~2%(of 31700)
AAoA 11m but TBD after app spree! AoOA 1y7m AoYA 1m Cards 4/6 6/12 12/24 Inq EX 4/6 14/12 EQ 2/6 3/12 TU 2/6 5/12
Future cards: Citi Rewards+/Disco Miles/BoA TR or CCR/WF Autograph/USB Cash+/FNBO BPme Rewards?/Walgreens?
Message 12 of 14
Frequent Contributor

Re: November 2022 Check-In Thread

I just got approved for my very first Business card yesterday, Amex Blue Business Plus. My first MR point card too, 0% interest for 12 months.

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 13 of 14

Re: November 2022 Check-In Thread

My apologies I've been missing due to some health issues post covid. Hope everyone is doing well. 

score time....

I was a bit nervous this month as I kept getting alerts in the app that my scores decreased but didn't see a reason for it. Decided to pull a report and to my surprise... 

EQ 8: 751 

TU 8: 748

EX 8: 767

I'm in need of a vehicle (unfortunately). Trust me this is not the right time but current car( much older ) have some issues. I know score will decrease but just not sure by how much.

Starting Score: TU: 668 EX: 686 EQ: 660
Current Score: TU 8: 748 EX 8: 767 EQ 8: 751
Goal Score: 800

Take the myFICO Fitness Challenge
Message 14 of 14
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