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September 2019 Check In Thread

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Regular Contributor

Re: September 2019 Check In Thread

Inspirational Friday. Slowly and Steady.

 

FICO 08 are 725 EX / 705 EQ / 709 TU

 

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Credit Repair Tracker: Don't get discouraged: 220pts gained to 780!


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Message 21 of 57
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Moderator Emeritus

Re: September 2019 Check In Thread

CreditNoob99 great progress on your trip to better credit. Impressive Smiley Happy
Starting Score: 300
Current Score: 824
Goal Score: 850


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Message 22 of 57
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Regular Contributor

Re: September 2019 Check In Thread

It’s been a battle but the methods have work. I’ll write a full brief when done.

   
Credit Repair Tracker: Don't get discouraged: 220pts gained to 780!


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Message 23 of 57
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Senior Contributor

Re: September 2019 Check In Thread


@Lucifer wrote:

796.

 

 

7 Freaking Ninety stupid 6

 

ARRRRRGGGGGHHHHHH    Just got my first f8 of the month that is pretty well up to date except being 1 account and a 10 dollar balance away from being a AZEO report and I am at 7 9 6.

 

Ugh.  Soooooooo close......


You're a trip!  You make me wanna throw some of my points at cha!  Image result for get'er done meme

”MY TAKE HOME PAY DON’T TAKE ME HOME”
Message 24 of 57
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Senior Contributor

Re: September 2019 Check In Thread


@Boisvert wrote:
I’ll write a full brief when done.

Look forward to reading, good job.

”MY TAKE HOME PAY DON’T TAKE ME HOME”
Message 25 of 57
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Regular Contributor

Re: September 2019 Check In Thread

It's been a great month for me.

 

Between August 31st, when I pulled my scores, and September 4th, when I pulled them again, my Experian FICO score dropped 4 points to 634 (but rose back up to 638 within a week), BUT my Equifax score increased by 14  points to 635, and my TU score increased by 5 points to 627.   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 secured card offers before that.  I received my card a few days ago.

 

I forgot to add that I was finally able to product change my Cap One Platinum to a Quicksilver.  Yay!

 

 

 

Open Credit Cards:
Green Dot Primor Secured (5/18) - $450 CL (CLOSED 2/2020)
Capital One Platinum (8/18) PC'd to Quicksilver (9/19) - $700 CL
Capital One QuicksilverOne (3/19) - $1500 CL
Merrick Bank DYL VISA (6/19) - $1400 CL
Discover it Cash Back (9/19) - $1000 CL
Amazon Prime Store Card (4/20) - $1600 CL

Experian FICO Score - 8/2018: 528

Experian FICO Score - 4/2020: 658
Equifax FICO score 1/2020 - 656
TransUnion FICO score 1/2020 - 635
Message 26 of 57
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Senior Contributor

Re: September 2019 Check In Thread


@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!

”MY TAKE HOME PAY DON’T TAKE ME HOME”
Message 27 of 57
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Frequent Contributor

Re: September 2019 Check In Thread

The month started on a total high.  TU agreed to EE my very last baddie on that account, a charge off.  My score there was sitting at 719, so I waited with baited breath for TU to update, expecting that clean card to jump impressively.  What happened?  NADA...nothing, crickets.  Not a bobble, not a wiggle, not a gnats eyelash of a movement.  719 with a charge off....719 with a clean score card.  **le sigh**. Oh well, at least it’s clean and hopefully, it will make it easier for the score to trend upward.  Now, to get the other bureaus clean.

Starting FICO 8 December 2017

FICO 8 as of 4/1/20



Sock Drawer:


Gardening until Mortgage closes in Mid June 2020
Message 28 of 57
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Regular Contributor

Re: September 2019 Check In Thread

When did it fall off and when did you check your score? I’m sure within the next 30 days you should get a slight bump. Also keep in mind it’s a 7 year old baddie so at that point it weights very little on your score. I’ll tell you thought that whatever is keeping your credit at 719 (high ut, new accounts, inquiries) etc if it wasn’t present your score will be much higher now without any baddies than it would be if the CO would still be there.

   
Credit Repair Tracker: Don't get discouraged: 220pts gained to 780!


MYFICO Proud Garden Club Member: 

Message 29 of 57
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Frequent Contributor

Re: September 2019 Check In Thread


@GApeachy wrote:

@Lucifer wrote:

796.

 

 

7 Freaking Ninety stupid 6

 

ARRRRRGGGGGHHHHHH    Just got my first f8 of the month that is pretty well up to date except being 1 account and a 10 dollar balance away from being a AZEO report and I am at 7 9 6.

 

Ugh.  Soooooooo close......


You're a trip!  You make me wanna throw some of my points at cha!  Image result for get'er done meme


I only need 4 points - but I'd trade them all back and then some for a date.....cuz you know...Lauras are always awesome to hang out with.

Stay Liquid My Friends...


Starting Score: F8 3xx
Current Score: F8 789
Goal Score: F8 800


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Message 30 of 57
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