Page 3 and it's only October 5?
What? Are we now taking the crack that the Garden people are on??
I digress.
I'm here to say how broken hearted I am.
My F8(exp) just updated. It didn't change. My Util went from 8 to 6% but my score.....my score did not change. Stuck at 796
I'm not really sure how to handle this.
Like do I drink until I pass out? Punch a wall? Go on 5 first dates this weekend? Stay home and stare at the numbers?
Why would F8 do this to me. I was prepared for 799, 798 and 797. I was ever so hopeful of an 800 or 801. But unchanged?
Candy. No chocolate. I am going to go eat a lot of chocolate...
Starting Score: F8 3xx
Hanging in the garden and tending my plants, finding SP CLI’s where I can to pad utilization. In September my TU became my first clean score card (YAY)! Experian should be clean in February and Equifax in March. I’m indulging my credit OCD to make sure nothing ugly rears it’s head because there is a Mortgage app planned in April. 7 CC balances are down to zero, leaving 3 with balances. All remaining energy is going to paying those down to AZEO with the one left reporting less then 8.9% before the mortgage app.
@Lucifer wrote:Page 3 and it's only October 5?
What? Are we now taking the crack that the Garden people are on??
I digress.
I'm here to say how broken hearted I am.
My F8(exp) just updated. It didn't change. My Util went from 8 to 6% but my score.....my score did not change. Stuck at 796
I'm not really sure how to handle this. I AM! My advice always works, hahahaha! see below
Like do I drink until I pass out? FUN Punch a wall? NOT FUN Go on 5 first dates this weekend? FUN Stay home and stare at the numbers? NOT FUN
Why would F8 do this to me. EVIL I was prepared for 799, 798 and 797.
I was ever so hopeful of an 800 or 801.
Candy. YES! No chocolate. YES!! I am going to go eat a lot of chocolate...and BOOZE!!!! Booze, candy and chocolate..then go brush yo toothies!
I'm not sure what we're gonna do with you once you reach the 800's, oh boy!
@Peazmom wrote:Hanging in the garden and tending my plants, finding SP CLI’s where I can to pad utilization. In September my TU became my first clean score card (YAY)! Experian should be clean in February and Equifax in March. I’m indulging my credit OCD to make sure nothing ugly rears it’s head because there is a Mortgage app planned in April. 7 CC balances are down to zero, leave 3 with balances. All remaining energy is going to paying those down to AZEO with the one less then 8.9% before the mortgage app.
Congrats on a clean TU! You don't have long now.....clean scorecards and then your Mortgage app. That's a lot to look forward to and not a lot of waiting either (5 months). Yippeeeeeeeeee
@jons998877 wrote:Rough few months for me, had a unexpected trip I took for a family emergency and had to pay off two medical bills to avoid collections.. Now everything I have is current and no chance of popping back up to bite me.. Sorry 'bout the emergency; glad you were able to pay off the bills, shew!
The downside is that I had to nearly max out my $4500 limits on 3 cards, somewhere around $4200.. Ugh! But at least you had them
So the good news is, my scores didnt really fall, all 3 still in the 640-648 range.. guess the lates aging and few things dropping off equalled things out..Another SHEW!!!!
But now I need to get back to near zero utlization.. Have about $1000 from umpiring I am getting soon plus working basketball games.. don't really need my credit score right now, but goal it to be paid off by Jan 1.. if not, tax refund will hit the rest..Good going on all the above! Nice to see a plan come together, esp. through hard work and dedication!
@calyx wrote:Last year, I had a goal to hit 680 by September of 2019.
January, I upped my goal to hit 740 by December of 2019. Hi Calyx
As I sit in my 770s/780s,AMAZING! I am happy to say that this board has done me a world of good, and unless I engage in some uncharacteristic activities, I should be pretty stable for a good long while to come.
My next 2 card goals are the SDFCU 2% CB card, and then the Comenity AKC card - I'm planning on 2020 for those apps.Good Luck!!! Are you already putting that SEWING card to good use?
And since I'm having to work on my FICO2 for the SDFCU, I feel no reason to leave the garden right now.Nope, just come hang out with me! We can make quilts or something
This month, 2 INQs become unscorable (EX and EQ), and then I shouldn't see much movement until February/March.
I'm really looking forward to next fall, when my rebuild INQs start falling off altogether (they're unscorable for the most part now, but seeing them gone will make me feel like my credit report is 'cleaner')That will be me too, well half of them, this is exciting!
I wish everyone the best in their goals!...and you too! You deserve it