I know you are all hard at work with your credit goals. Have you progressed as far as you hoped? Were there any unforeseen expenses that cropped up and may have thrown you off schedule?
As a reminder, participation in these monthly check-ins are optional but encouraged. The goal is to help keep you on track, so feel free to post your progress updates here. This is a no-judge zone; feel free to say what's keeping you up at night or give yourself a Kudo for having it all together.
Did you hit any potholes or speedbumps? Achieve some milestones, either small or mighty? Change your goals or add new ones?
Let us know how you're doing!
I'm new to this challenge. I started last month (last person to post on August check in).
Discharged from BKy 8/31 and as of today it shows only on Equifax. Waiting for it to notate on the other 2. I will check my scores and update my signature. Also will check for errors. First thing I'm hoping will be a better score then I will go for my first new CC (NFCU)...Happy Updates Everyone😉
August just kind of went along. I received another CLI, which is pretty awesome. One of my cards increased from $750 to $1800 which is great. Still haven't reported the increase yet, although all the other increases have finally posted. I'm stagnate at around 63% but that's okay. Paid off another small cc last month. The next card to be paid off by October.
September's goal is not to put anymore money on credit cards. I have been using a card and paying it off right after I use it for points, but I'm finding myself going over budget and having to pull the extra from other things that I am saving for.
Hope everyone has a pleasant month and achieve your goals.
After a successful jump-start to rebuilding my credit file back in October 2020, and learning the basic strategies and routines, I paused the MyFICO subscription for 6 months.
The MyFICO subscription restarted on September 2021, so I can finally compare numbers 12 months apart.
(Spoiler alert: Two of my FICO 8 scores are in the 800 Club!!!, alongside (((13))) other scores!!!!)
My gardening goal is on track, but applying for a house refinance, and a new car will come before the year ends.
I wish y'all a great rest of the month, and for your baddies to fall off like autum leaves!
Big hug and many thanks to those who have helped me get to where I am standing now!
Difficult month! I really can't sleep knowing my status but I am determined with great help of the community to establish baselines and work up from there. As of 9/22/21 - FICO 8
Equifax - 581
TransU. - 602
DTI - coming
immediately pay down $2,001. I can't find a place to live as I have an eviction on my credit report I am challenging. Currently Hotel hoping. Oh the guilt and shame! So many lessons learned. Member of Navy Credit union and PenFed. 2 Secured Cards with Navy. Goal is to have unsecured lines of credit to leverage and correct my situation. Open to suggestions. And I need help posting cards and my Data Poonts properly. Grateful to everyone!
And I need help posting cards and my Data Poonts properly. Grateful to everyone!
As a side note, being on this forum is already a win for your credit file! Things will get better! Just know that everything should be adapted to your personal case.