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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 15
14 REPLIES 14
Anonymous
Not applicable

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

Message 2 of 15
mgood
Valued 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).



EQ8 809, TU8 790, EX8 797 as of May 30
AZE4 - 2% Utl - New Accts: 3/6, 3/12, 7/24
Message 3 of 15
Mdowning30
Established 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 Unlimited : $6000 | Discover It Chrome : $3500 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $5000 | Chase Amazon Prime : $2000 | AmEx Hilton Surpass : $1000 | AmEx Business Plus : $2000 | AmEx Platinum CS : POT $2800 | Tower Federal CU : $15,000 | Lowes Commercial Account : $1,000 | WF Bilt Mastercard : $4,000 | Shell Fleet Plus : $1,000
Total Credit Limit : $42500
Experian FICO 8 : 700
| Experian Vantage : 701 | TransUnion FICO 8 : 688 | TransUnion Vantage : 695 | Experian FICO 9 : 665
Starting Score: 512
Current Score: 700
Goal Score: 700+

Take the myFICO Fitness Challenge
Message 4 of 15
Peterparkyr
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 5/13/2023 (last inquiry 5/13/2023)

Starting Score: 611
Current Score: 680
Goal Score: 750


Take the myFICO Fitness Challenge

Was in high 400s in 2020-2021

Current Scores:
Fico 8 EQ: 692
Fico 8 EX: 680
Fico 8 TR: 640
Message 5 of 15
Anonymous
Not applicable

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

Message 6 of 15
Mdowning30
Established 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 Unlimited : $6000 | Discover It Chrome : $3500 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $5000 | Chase Amazon Prime : $2000 | AmEx Hilton Surpass : $1000 | AmEx Business Plus : $2000 | AmEx Platinum CS : POT $2800 | Tower Federal CU : $15,000 | Lowes Commercial Account : $1,000 | WF Bilt Mastercard : $4,000 | Shell Fleet Plus : $1,000
Total Credit Limit : $42500
Experian FICO 8 : 700
| Experian Vantage : 701 | TransUnion FICO 8 : 688 | TransUnion Vantage : 695 | Experian FICO 9 : 665
Starting Score: 512
Current Score: 700
Goal Score: 700+

Take the myFICO Fitness Challenge
Message 7 of 15
Anonymous
Not applicable

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

Message 8 of 15
Peterparkyr
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 5/13/2023 (last inquiry 5/13/2023)

Starting Score: 611
Current Score: 680
Goal Score: 750


Take the myFICO Fitness Challenge

Was in high 400s in 2020-2021

Current Scores:
Fico 8 EQ: 692
Fico 8 EX: 680
Fico 8 TR: 640
Message 9 of 15
Anonymous
Not applicable

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
Message 10 of 15
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