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September 2019 Check In Thread

Auto Loans for ANY Credit Situation. Immediate Response.
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Senior 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
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Regular 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'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 32 of 57
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Valued Member

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.

Starting Score: 541
Goal Score: 700


Current FICO8:

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Message 33 of 57
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Moderator Emeritus

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

Starting Score: 300
Current Score: 824
Goal Score: 850


Take the myFICO Fitness Challenge
Message 34 of 57
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Senior Contributor

Re: September 2019 Check In Thread


@Dinosaur 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
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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
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Moderator Emeritus

Re: September 2019 Check In Thread


@GApeachy wrote:

@Dinosaur 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


 

Starting Score: 300
Current Score: 824
Goal Score: 850


Take the myFICO Fitness Challenge
Message 37 of 57
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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 789
Goal Score: F8 800


Take the myFICO Fitness Challenge


Message 38 of 57
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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 789
Goal Score: F8 800


Take the myFICO Fitness Challenge


Message 39 of 57
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Senior 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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