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-judgement 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!
September looks to be uneventful for me as well. The only noteworthy thing that will happen as of now is the reporting of a new auto loan from a couple weeks ago.
Still gardening until May/June 2025. Working on building my savings and relationship with NFCU. Have a great month everyone. Cheers!
Starting Score: 575
This month I plan on making an effort to focus on paying off debt, I had made progress, then fell backwards hitting a hump bump in the road..
After an eventful summer of paying off debt and new ccs, I'm just gardening this month and for foreseeable future. My scores took minor hits for the HPs and new accounts, as well as closing very small sub-prime accounts. I'm rolling with the punches and just looking to the future.
Right now, the financial focus is on making and saving money. And remembering that making art has many rewards, even though they are not monetary 
Have a great September, all!
Hello, checking in for September. My goal, which I set through Chase Credit Journey, is to have a score of 721, using Experian Vantage3, by 5/20/25. My current score is 708, up 2 points since August. There are some payments that I made that are not yet reflected in my score. I hope next month to reach the goal.
( The footer information below is outdated, but I can't edit it until I am no longer considered to be a new member.)
I started in 2018 in the low 500's. My issues were worst than most. I paid my mtg and care notes late consistently for 6+ years which means I had over 35 derogs on each credit bureau. I was beyond pay for deletes and good will letters. I simply had to establish new habits and also start new lines of credit and be perfect with those new lines -- which I was. Here we are 6 years later and I am now in my high 700's across the board. I expect to be in the 800s next month or at most by Dec 2024.
I started out with 3 secured credit cards. Citi, Discover, and Capital One. $200.00 credit line each. To date, you can see below where I am with credit lines and utilization. I have gotten ahead of my ski's on one of my Citi cards and I'll be paying that in full before March of next year (not ideal, but it's where i am).
Also I was able to purchase a 2nd home (as a rental) and generally just feel better about myself. All of this is courtesy of MYFICO. It's the best money spent (monthly) to track my scores...but this FREE FORUM has changed my life. thank you to everyone.
| # | Card Name | Balance | Credit Limit | Utilization |
| 1 | Amex: Gold | $- | $- | charge card, no limit |
| 2 | Amex: Platinum | $- | $- | charge card, no limit |
| 3 | Amex: Blue Cash Everyday | $- | $1,000.00 | 0% |
| 4 | Citi: Double Cash | $- | $3,200.00 | 0% |
| 5 | Discover | $- | $3,500.00 | 0% |
| 6 | PenFed: Platinum Rewards | $- | $5,000.00 | 0% |
| 7 | Apple | $- | $7,000.00 | 0% |
| 8 | PenFed: Power Cash Rewards | $- | $7,200.00 | 0% |
| 9 | Chase: United Airlines | $- | $14,400.00 | 0% |
| 10 | NFCU: Rewards | $- | $28,000.00 | 0% |
| 11 | Barclays: Hawaiian Airlines | $- | $28,000.00 | 0% |
| 12 | Amex: Hilton | $1,329.88 | $8,400.00 | 16% |
| 13 | Citi: Aadvantage | $19,999.56 | $35,500.00 | 56% |
good job on where you are now vs where you started (scores)