Freak Posted April 19, 2008 Report Posted April 19, 2008 Ok, after reading Lovebug's premature pulling breakdown, I pulled my FICO's...you guessed it "prematurely." Wow, what a shocking surprise: December AprilTU 610 685EX 617 691EQ 613 696I have three new CCs that will be six months old in May. EQ reflects a new auto loan that just showed up two weeks ago, the other two don't. At this rate hopefully, I'll hit the 700 club pretty quick. In November, I had over 5k in CC debt, and I was at 100% (almost) utilization. now, I have it down to 1,600, and 14% - that is being paid off this month! It is soooo nice not to have to worry about CC payments every month, and watch them try to get you to purchase stuff to use the card. I feel like I'm in control now. Thanks guys for all the help!
isislc Posted April 19, 2008 Report Posted April 19, 2008 Way to go Freak!! I'm having the same situation where MY CRs are going up every day and I had the problem of "Premature Pulling too". haa haa.Looking at the 700 club in about a couple of weeks myself.
Shae Posted April 19, 2008 Report Posted April 19, 2008 Congrats!! Hope to be like you one day!! Gotta keep hammerin' away at the baddies!
Amerikaner83 Posted April 19, 2008 Report Posted April 19, 2008 great job freak! Knocking on the 700 club door! Way to go!
TTigggers Posted April 19, 2008 Report Posted April 19, 2008 Congrats.We will be waiting for that 700 club post
AboveAverage Posted April 20, 2008 Report Posted April 20, 2008 Envious...simply envious. In this case envy should be flattery .Congrats and I look forward to see you in the 700 club. Trying to get there myself.
LoveToGod Posted April 20, 2008 Report Posted April 20, 2008 On the Myfico score simulator said that if I paid my bills on time for the next 2 years that it would go up to 698, but that does not take into account if I pay the balances down to under 10%, so I suspect maybe in 18 months I could be there. Well, at least its possible....
TTigggers Posted April 20, 2008 Report Posted April 20, 2008 On the Myfico score simulator said that if I paid my bills on time for the next 2 years that it would go up to 698, but that does not take into account if I pay the balances down to under 10%, so I suspect maybe in 18 months I could be there. Well, at least its possible....I hate that darn thing.
Freak Posted April 20, 2008 Author Report Posted April 20, 2008 I have come to believe that those "tips" are generated randomly. Based on key information in your reports. They're about as useful as a keyboard with a broken space bar.
AboveAverage Posted April 20, 2008 Report Posted April 20, 2008 I have come to believe that those "tips" are generated randomly. Based on key information in your reports. They're about as useful as a keyboard with a broken space bar.huh?Whatdoyoumeanbythat?
lovebug5 Posted April 21, 2008 Report Posted April 21, 2008 Nice job!!!! (I could make a really crude comment about premature FICO pulling and hitting the 700 club faster than the rest of us, but I will abstain!)
girlfromga Posted April 25, 2008 Report Posted April 25, 2008 I know how to get my credit files. How do I go about seeing the 3 fico scores without going broke at 15 a pop. Also another dumb one I'm sure I've been reading and still don't get it. Do you have a score with each place and then your fico or is you fico figured by the other 3 combined.
AboveAverage Posted April 25, 2008 Report Posted April 25, 2008 I know how to get my credit files. How do I go about seeing the 3 fico scores without going broke at 15 a pop. Also another dumb one I'm sure I've been reading and still don't get it. Do you have a score with each place and then your fico or is you fico figured by the other 3 combined.In a nutshelll.www.myfico.com google search "myfico discount codes" to save some moneyScore is with each place. Three diferent scores with each of the agencies. NOT that 3 combined jazz.
lovebug5 Posted April 25, 2008 Report Posted April 25, 2008 You know, that FICO score simulator is a bunch of crap. And here's why...It tells me that if I pay off my balances on my cards my scores will reach over 700's. Interesting, considering that I pay my balances each month. So that $1,200 which is showing on WaMu for March has already been paid and my April balance is looking at reporting about $140, since those are my new charges since statement close.So basically, according to FICO, my scores should be over 700 consistently by June. I'll have 0 IQ's on TU and EQ, only 3 IQ's on EX that are affecting my score...I'll have no CA's on any of the three, perfect payment history on all three, and under 2% utilization. We shall see...
Magdalen77 Posted April 25, 2008 Report Posted April 25, 2008 I know how to get my credit files. How do I go about seeing the 3 fico scores without going broke at 15 a pop. Also another dumb one I'm sure I've been reading and still don't get it. Do you have a score with each place and then your fico or is you fico figured by the other 3 combined.The best bet is to only pull your actual FICOs every 3 months or so, but get onto Truecredit or Privacy Matters or ID Protection by Chase for daily FAKOs. The FAKOs are good for (generally) knowing what's happeninig with your credit reports and getting an idea about your credit score trends. They should go up as baddies drop off your credit reports and your credit gets better. As AA sez you can either Google or query on this forum to get myfico discount codes. Usually the discount codes are 20-25% off so you end up with each FICO score costing around $12 instead of $15. Every little bit helps, I never pull my FICO scores without a discount code.
Magdalen77 Posted April 25, 2008 Report Posted April 25, 2008 You know, that FICO score simulator is a bunch of crap. And here's why...It tells me that if I pay off my balances on my cards my scores will reach over 700's. Interesting, considering that I pay my balances each month. So that $1,200 which is showing on WaMu for March has already been paid and my April balance is looking at reporting about $140, since those are my new charges since statement close.So basically, according to FICO, my scores should be over 700 consistently by June. I'll have 0 IQ's on TU and EQ, only 3 IQ's on EX that are affecting my score...I'll have no CA's on any of the three, perfect payment history on all three, and under 2% utilization. We shall see...They pretty much say the same for me. Paying off my few remaining baddies (including my repo balance) won't get my scores very much, but paying down my balances is supposed to get my EQ up to 760-780 and my TU up to 720-740. EX, since they are Satan, don't support the score simulator.
lovebug5 Posted April 25, 2008 Report Posted April 25, 2008 An EX score simulator for me would probably say, "Anything good you do will cause your score to go down."
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