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September 2019 Check In Thread

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GApeachy
Super Contributor

Re: September 2019 Check In Thread

Except you probably wouldn't want my husband in tow......Smiley TongueSmiley Very HappySmiley LOL

My Take Home Pay Don't Take Me Home
Message 31 of 57
Jannelo
Frequent Contributor

Re: September 2019 Check In Thread


@GApeachy wrote:

@Jannelo wrote:

 But, most exciting of all, this month I was approved for a Discover it Cash Back card with a $1,000 SL after receiving no offers for many months and only unsecured offers before that.  I received my card a few days ago.  

 

 

 


I'm glad you held out.  Congrats on the scores and more!


Thanks.  And I meant to write "secured" card offers.  I went back to my original post and changed it.  I am very excited about the Discover card.  I've already begun using it.

Open Credit Cards:
Green Dot Primor Secured (5/18) - $450 CL (CLOSED 2/2020)
Capital One Platinum (8/18) PC to Quicksilver (9/19) - $3800 CL
Capital One QuicksilverOne (3/19) - $4800 CL
Merrick Bank DYL VISA - No AF (6/19) - $1400 CL
Discover it Cash Back (9/19) - $2800 CL
Amazon Prime Store Card (4/20) - $10,000 CL
NFCU cashRewards (4/20) - $4500 CL
BB&T Spectrum Cash Rewards (5/20) - $3500 CL
Navy Federal More Rewards American Express® Card (3/21) - $9700 SL - at 9.65 %.
Experian FICO Score - 8/2018: 528

Experian FICO 8 Score - 9/2022 - 720
Equifax FICO 8 score 2/2022- 692
TransUnion FICO 8 score 10/2022 - 728
Experian FICO Mortgage Score - 725
Message 32 of 57
Anonymous
Not applicable

Re: September 2019 Check In Thread

September has been rough. I finally got to truly understanding that this is definitely not a race and 100% a journey. I recently had some fraudulent activity on my CapitalOne account that pushed my balance over the limit. I called CapOne and was able to get it worked out but naturally this happened the day before my statement cut. I feel as though it's some kind of karma or the universe messing with me some how. My scores have plummeted. I'm now sub 600 again all around. Equiax is particularly stubborn so I went from 606 to 587. Transunion and Experian have been slowly creeping back up (they're at 596 and 592 respectively) so I hope to be above 600 for them by the end of the month. I was just preapproved by Chase now I feel as though there's absolutely no chance in hell. Anyway, I'm slowly but surely doing all I can to raise my scores. We'll see what happens come October.

Message 33 of 57
Anonymous
Not applicable

Re: September 2019 Check In Thread


@GApeachy wrote:

Except you probably wouldn't want my husband in tow......Smiley TongueSmiley Very HappySmiley LOL


Put a leash on him Smiley Happy

Message 34 of 57
GApeachy
Super Contributor

Re: September 2019 Check In Thread


@Anonymous wrote:

@GApeachy wrote:

Except you probably wouldn't want my husband in tow......Smiley TongueSmiley Very HappySmiley LOL


Put a leash on him Smiley Happy


Why, the ball and chain is wrapped around his neck alreadySmiley Wink 

My Take Home Pay Don't Take Me Home
Message 35 of 57
izzesparks
Frequent Contributor

Re: September 2019 Check In Thread

Hello again, I know I posted in this month already. But I wanted to share some news that has me all giddy and happy. In my original thread, I was going to pay off 3 of my smallest credit cards. Instead, I was able to pay off 1 small credit card around $300 and 2 loans totaling $4300 and paid down another credit card bringing the utilization to 25% today. I only have 1 more card to pay off around $400 and one more loan for $1100 and I am done besides the school loans I worked out a deal for those to stop reporting soon. So happy, feel so free, stress falling away! Can't wait to see the credit reports update this information!

 

Happy rebuilding 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


Take the FICO Fitness Challenge
Message 36 of 57
Anonymous
Not applicable

Re: September 2019 Check In Thread


@GApeachy wrote:

@Anonymous wrote:

@GApeachy wrote:

Except you probably wouldn't want my husband in tow......Smiley TongueSmiley Very HappySmiley LOL


Put a leash on him Smiley Happy


Why, the ball and chain is wrapped around his neck alreadySmiley Wink 

 

You know in the outback is @M_Smart007  who keeps dogs and may be he could share the 'dog house' ... smiley-laughing021.gif


 

Message 37 of 57
Lucifer
Frequent Contributor

Re: September 2019 Check In Thread


@GApeachy wrote:

Except you probably wouldn't want my husband in tow......Smiley TongueSmiley Very HappySmiley LOL


It would totally kill the vibe....

Stay Liquid My Friends...


Starting Score: F8 3xx
Current Score: F8 800+
Goal Score: F8 800


Take the myFICO Fitness Challenge



Message 38 of 57
Lucifer
Frequent Contributor

Re: September 2019 Check In Thread

F8's are coming in between 790 and 796.  My useless (but I still look at it) Vantage score is sitting at 799.

 

Maybe my F9 will give a glimpse as to what it's like to be over 800 - it was 796 last month.

 

Once I hit the 800's, I'm putting on my match.com profile - hey baby, how you doin' I got a nice 800 right here....

Stay Liquid My Friends...


Starting Score: F8 3xx
Current Score: F8 800+
Goal Score: F8 800


Take the myFICO Fitness Challenge



Message 39 of 57
GApeachy
Super Contributor

Re: September 2019 Check In Thread


@Lucifer wrote:

 

Once I hit the 800's, I'm putting on my match.com profile - hey baby, how you doin' I got a nice 800 right here....


Don't fergat Farmer's Only.com Smiley Very Happy

 

My Take Home Pay Don't Take Me Home
Message 40 of 57
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