It's been over 6 months of hanging out here and exactly 6 months since we opened our first credit card. I want to say thank you to all the helpful folks here and I want to bombard you all with a looong post about our scores 😁(I'll post my scores first, then hubbys)
My scores
Fico 8 EQ 724 TU 750 EX 771
Mortgage EQ 704 TU 726 EX 726
Credit karma Eq 678 TU 680 (just for comparison)
Data points: clean files
2 inquiries on EQ, zero on TU & EX
Au on hubby's Discover 6 months old $62/400 should update to $25/400 next week.
Joint account Oregon state credit union visa 3 months old $51/1,000.
Joint account Oregon state credit union loan 3 months old $829/1,000
For some reason our credit union hasn't updated since July31st. Our card with them should be $0/1,000 and our loan should be $301/1,000
Hubby scores
Fico 8 EQ 685 TU 652 EX 722
Mortgage EQ 722 TU 681 EX 726
Credit karma Eq 681 TU 679 (just for comparison)
Data points: clean files for EQ &EX
2 old med. Collections on TU for $411 and $602 paid in full
3 inquiries on EQ, zero on TU & EX
Discover 6 months old $62/400 should update to $25/400 next week.
Joint account Oregon state credit union visa 3 months old $51/1,000.
Joint account Oregon state credit union loan 3 months old $829/1,000
For some reason our credit union hasn't updated since July31st. Our card with them should be $0/1,000 and our loan should be $301/1,000
Like I said... I'm not sure why our credit union hasn't updated but I know it will help our scores a bit when it does. We want to buy a home first half of next year.
Again, thank you all for the invaluable advice on this forum 🤗
