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frokey

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  1. Thanks!! Sent from my iPhone using Tapatalk
  2. Thanks! [emoji23][emoji23] Sent from my iPhone using Tapatalk
  3. Thanks! Sent from my iPhone using Tapatalk
  4. Well, it's been a long road over the last 2 years full of ups and downs, but I finally broke 700 on my FICO!! Granted, it's just EX right now, but EQ isn't far behind. TU is slow updating, but I expect it will be close as well once it's done. Next goal is 730. My utilization is good (was 12% when score was updated, but now under 10%), and credit mix is good (6 revolving, 1 auto, 1 mortgage), and no lates on any of my open accounts. Guess I'll just have to wait for my accounts to age, keep my payment history clean, and wait for the two baddies (paid settlements) to fall off in 5 years. Thanks for all of the great advice you guys have provided me and so many others. I appreciate you!!
  5. Credit age/Inquiries I got the last couple of cards in December and January Serious Delinquency Chase and Target account that were both settled in the fall of 2018 shortly before I bought my house. EQ and TU show them as charge offs, and EX shows them as settlements. TU report has one additional CA that was paid in Feb. '19
  6. Hey Everybody! After maxing all my cards out earlier this year, I just paid everything off in full (actually, I'm about to send the last payment on one of them). Now I'm waiting on my scores to rebound, but how long do you think I should wait before I request CLI on them? I have Discover, CapOne(2), Ollo, Amex, and Citi. FICO History from February to July: (paid off balances haven't shown up yet on any of the reports) EQ: 656 before maxing out. Dropped to 614. Now back up to 651 TU: 659 before maxing out. Dropped to 626. Now back up to 633 EX: 663 before maxing out. Dropped to 635. Now back up to 658
  7. CapOne QuickSilver CL: $3000 9mo 0% APR Pulled TU: 650 FICO 8 and EX: 679 FICO 8 Ok, that's it for me for a while! lol Other Cards: Ollo - $1500 CL, CapOne - $1500 CL, Discover - $9000 CL
  8. Amex Blue Cash Everyday CL: $1000 Citi Double Cash CL: $1000 Both pulled EX - 679 FICO Sucky limits, but hopefully I can increase them soon. Other Cards: Ollo - $1500 CL, CapOne - $1500 CL, Discover - $9000 CL
  9. Thanks to all of you for all of the valuable advice! I think for now I'll stay put at least until I've built a bit of positive equity. My scores should also be even better at that point. I appreciate all of you!
  10. Believe me, I know! I was there for a while and it felt good. I just held on for too long. Sent from my iPhone using Tapatalk
  11. Powertrain warranty was 60K, but it seems like I read somewhere that they extended that to 100k when the issues started a couple years ago. I need to find that out for sure though. Sent from my iPhone using Tapatalk
  12. Might put that on a poster! Lol Mileage is approximately 65k. I’m really leaning towards staying put at least until I’ve got some positive equity in the deal. Sent from my iPhone using Tapatalk
  13. Hey MarvBear! The payoff is currently sitting at $12,750 and some change. Looking at valuations online, it seems I’d be averaging around $6,000 as a trade. Sent from my iPhone using Tapatalk
  14. Thanks for the thoughtful input centex! That’s a good point about paying more than the minimum. On the refi option, I wouldn’t even consider going for a term that’s longer than what I have left on the current loan. It would either be to get “right side up” faster, or to get a slight reduction in my monthly payment. And the lube comment was priceless! [emoji23][emoji23] Sent from my iPhone using Tapatalk

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