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October 2019 Check In Thread

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Regular Contributor

Re: October 2019 Check In Thread

I have two accounts that are under a year old.  

 

This is has be holding me back a little.   (yes I am still miffed over my 796 staying a 796)

 

Anywho, it's Monday!

 

Have a great day, Challengers.

Starting Score: F8 720
Current Score: F8 796
Goal Score: F8 800


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Message 31 of 42
Established Member

Re: October 2019 Check In Thread

Although my scores will drop soon from 2 new cards I am happy with my progress this year. I have paid half of my debt down, I have received 4 new cards that I wanted this year and with those new cards I'm going to be able to pay down the rest of my debt faster!! My next goal after gardening for several months will be next year's challenge and that will be to buy a new house. SO yes this has been a good year to focus and pay down my finances and go back to the garden. I hope everyone is achieving their goals this year.

Starting Score: 612
Current Score: 696
Goal Score: 750


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Experian 696
Exquifax 681
Transunion 681

capital one spark visa $300 6/8/2002 17 yrs
Capital one Quicksilver $700 10/3/2004 14 years
Walmart $2250 12/6/2011 7 years
Navy Fedearl CU cash rewards $7000 9/24/2014 5 years
Victorias Secret $1555 11/17/2014 4 years
Fingerhut $3950 11/23/2015 3 years
Amazon $3500 12/1/2015 3 years
Discover miles #1 $5000 1/19/2017 2 years
Credit one bank $1250 1/31/2017 2 years
Navy Federal CU Go Rewards $6000 7/6/2017 2 years
Home Depot $1000 7/6/2017 2 years
American Express Hilton honors surpass $1000 4/30/20194 months
Overstock $3050 5/12/2019 4 months
Chase SLate $1800 9/24/2019
Discover IT #2 $5000 9/24/2019
Message 32 of 42
Valued Contributor

Re: October 2019 Check In Thread


@devilnic wrote:

Although my scores will drop soon from 2 new cards I am happy with my progress this year.Congrats on the new cards! I have paid half of my debt down Very good! I have received 4 new cards that I wanted this year Again, congrats!and with those new cards I'm going to be able to pay down the rest of my debt faster!! Keep on Truckin' My next goal after gardening for several months will be next year's challenge and that will be to buy a new house. Best goal ever, will follow your progress...be sure to keep posting.SO yes this has been a good year to focus and pay down my finances and go back to the garden.We have a few hiding behind the Scarecrow, come join us....we'll keep each other entertained- somehowSmiley Tongue I hope everyone is achieving their goals this year.Woot!


 

"My Take Home Pay Don't Take Me Home"
Amex Blue Business Cash; Lowe's Rewards
BB&T SpectrumCR
Capital One Savor; Venture; Spark
CitiBank Staples More; Home Depot
Comenity GoodSamsVS
Discover Cash Back; Chrome
Synchrony AmazonNet55; CareCredit; Lowe's Adv & Pro's
Synovus LOC
[Total Open: 185.2k] [Total Closed reporting: 156,823k] EXP 720, EQ 744, TU 736
Message 33 of 42
Highlighted
Valued Contributor

Re: October 2019 Check In Thread


@Lucifer wrote:

I have two accounts that are under a year old.  

 

This is has be holding me back a little.   (yes I am still miffed over my 796 staying a 796)

 

Anywho, it's Monday!  "Anywho!"  hahaha,  I just like that, idk why.Smiley Tongue

 

Have a great day, Challengers. You too, or great week!


 

"My Take Home Pay Don't Take Me Home"
Amex Blue Business Cash; Lowe's Rewards
BB&T SpectrumCR
Capital One Savor; Venture; Spark
CitiBank Staples More; Home Depot
Comenity GoodSamsVS
Discover Cash Back; Chrome
Synchrony AmazonNet55; CareCredit; Lowe's Adv & Pro's
Synovus LOC
[Total Open: 185.2k] [Total Closed reporting: 156,823k] EXP 720, EQ 744, TU 736
Message 34 of 42
Frequent Contributor

Re: October 2019 Check In Thread

Doing great, I am actually ahead of schedule on goal chart/plan I created. I receive notification 3 days ago that MyFico score jumped up 30 points. Sent some more letters out yesterday and made some fruitful calls. Still need to earn some more cash to pay off a few more tradelines. So will spend they day today posting items for sale on Letgo, Poshmark, and craigslist. Also will try to earn a few more dollars with my side gigs. Have about $1500 more to pay off then will solely focus on GW'ing the heck out of everyone.  


Starting Score: TU-470 4/11/19, EQ-482 4/11/19, EX-486 4/11/19
Current Score: TU-507 7/18/19, EQ-517 7/18/19, EX-508 7/18/19
Goal Score: TU-700, EQ-700, EX-700


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Message 35 of 42
Valued Member

Re: October 2019 Check In Thread

What a month so far! After that score dip from last month I recovered and managed to get right back to where I was before it happened. I now have four prequalified/preapproved offers from Chase - the slate, freedom, freedom unlimited, and sapphire preferred. CapitalOne also miraculously and randomly increased my credit limit from $300 to a whopping (for me) $1800! I can't believe it! I'm still in shock! I checked my email this morning and there it was Smiley Very Happy Once I clear off one more collection from my report and pay off my balance on one of my store cards I think I'm going to try for the Sapphire Preferred. I now only have zero inquiries for Equifax, two inquiries for Transunion, and three inquiries for Experian. Yay! I checked (as I always do) and no prequal yet from Amex but I'll get there. Now to just patiently wait for my Discover to graduate. I'm feeling good!

Starting Score: 541
Goal Score: 685


Current FICO8:

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Message 36 of 42
New Contributor

Re: October 2019 Check In Thread

My goal was to get rid of my Capital One Platinum VISA card with a $5 monthly fee and no rewards. I still have a Quicksilver card earning rewards and no fee so I will keep that card. My FICO scores are in the 830+ range so I applied for a travel card, NFCU Go Rewards AMEX card and was approved for $23,000. Cancelled my oldest Capital One Platinum card. I also want an airlines card that does not have a AF of more than $100. I am eyeing Hawaiian Airlines and Delta Airlines at the present time. 

I hit my goal of a total credit line of $105,000. Now my goal is to reduce my APR on my credit cards (except for gasoline cards). 

Message 37 of 42
Regular Contributor

Re: October 2019 Check In Thread

Edging and edging.....oh so close

 

My lowest F8 scores last month were 790.  They have crept up this month to 795.   My highest F8 was 796 which has not moved as you have maybe heard me lament about.

 

SO FREAKKKKIINNGGGG CLOSSEEEEEEEE.

 

My F9 and Vantage Fako's are already over 800.    I just need to push a little harder on these f8s....

 

Ahhh push it...PUSH IT reeeaal Goooooooooooooooooooooooooooooooooooooooooooooood

Starting Score: F8 720
Current Score: F8 796
Goal Score: F8 800


Take the myFICO Fitness Challenge


Message 38 of 42
Valued Contributor

Re: October 2019 Check In Thread


@Lucifer wrote:

Ahhh push it...PUSH IT reeeaal Goooooooooooooooooooooooooooooooooooooooooooooood


Thanks, now that's stuck in my head! hahahaha (better than Baby Shark I suppose)Smiley Very Happy

"My Take Home Pay Don't Take Me Home"
Amex Blue Business Cash; Lowe's Rewards
BB&T SpectrumCR
Capital One Savor; Venture; Spark
CitiBank Staples More; Home Depot
Comenity GoodSamsVS
Discover Cash Back; Chrome
Synchrony AmazonNet55; CareCredit; Lowe's Adv & Pro's
Synovus LOC
[Total Open: 185.2k] [Total Closed reporting: 156,823k] EXP 720, EQ 744, TU 736
Message 39 of 42

Re: October 2019 Check In Thread

This thread is awesome!

So far, I'm semi holding true to my going as long as I can without applying.

Out of curiosity, I tried to see if I pre qualified with Marcus personal loans (they kept emailing me!!) and I considered using it to get a decent new car. It was a soft inquiry so no real hit, but they did get a hold of my Transunion score which showed 610!!!!

Currently, I haven't seen my updated score yet, so the score I have at Transunion is 582 (which is also my lowest score of all three), so if 610 is my new score... that's incredible!! Maybe all three of them are over 600 now?

I'll update on that one. Happy Tuesday!
Filed BK 7 - 2/2018 | Discharged - 5/2018
Started Rebuild - 4/2019
Starting Scores - Low 500s

Current (10/2019):
Scores: Experian - 607 | Equifax - 591 | Transunion - 582

Credit:
Discover It Secured - $600 | Capital One Platinum Partial Secured - $700 | Capital One Quicksilver - $300
Message 40 of 42
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