I was all set to do EE on TU for SO's CO and then when I looked for the account....it was already gone! I checked EX and it was still there (for now) and went and did a 3B pull on MF.....it is also gone from EQ! 6 months early! I have my fingers crossed that is will also be gone on EX soo because EX will then be 100% clean! TU still has severe lates on 3 x SLs, which SO did get a score bump, but not major. EQ got huge score bumps on all 8s/9s/10s. For both TU & EQ 5s/4s, the scores stayed the same, or went slightly down or up. This is because he still has a "nuisance" CA of $97, but on 5s/4s/2s, all CAs count. Caine & Weiner dows PFD and I guess it is finally time to just do it because it will not age off until 4/2024 (or EE from TU until 10/2023). EQ was SO's lowest scores and are now his highest! EQ 8s/9s/10s gained 50-80pts ea and TU 8s/9s/10s gained 20-40pts ea. 5s/4s stayed the same or +/- 1 to 2pts. Here's the new scores! Screenshot_20220902-124546_myFICO.jpg Screenshot_20220902-123945_myFICO.jpg Screenshot_20220902-123956_myFICO.jpg Screenshot_20220902-124010_myFICO.jpg Screenshot_20220902-124020_myFICO.jpg Screenshot_20220902-124033_myFICO.jpg
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Today was the day, but then a surprise....

1 of 8
2 years ago
Fri Sep 02, 2022 1:07 pm
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LaHossBoss
Outlier
LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 20 hours, and 46 minutes Next Level in1 day, 3 hours, and 14 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 20 hours, and 46 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 20 hours, and 46 minutes ago
I was all set to do EE on TU for SO's CO and then when I looked for the account....it was already gone! I checked EX and it was still there (for now) and went and did a 3B pull on MF.....it is also gone from EQ! 6 months early! I have my fingers crossed that is will also be gone on EX soo because EX will then be 100% clean! TU still has severe lates on 3 x SLs, which SO did get a score bump, but not major. EQ got huge score bumps on all 8s/9s/10s. For both TU & EQ 5s/4s, the scores stayed the same, or went slightly down or up. This is because he still has a "nuisance" CA of $97, but on 5s/4s/2s, all CAs count. Caine & Weiner dows PFD and I guess it is finally time to just do it because it will not age off until 4/2024 (or EE from TU until 10/2023). EQ was SO's lowest scores and are now his highest! EQ 8s/9s/10s gained 50-80pts ea and TU 8s/9s/10s gained 20-40pts ea. 5s/4s stayed the same or +/- 1 to 2pts. Here's the new scores!
Screenshot_20220902-124546_myFICO.jpg 77.19 KiB Viewed 168 times
Screenshot_20220902-123945_myFICO.jpg 230.07 KiB Viewed 168 times
Screenshot_20220902-123956_myFICO.jpg 120.8 KiB Viewed 168 times
Screenshot_20220902-124010_myFICO.jpg 188.68 KiB Viewed 168 times
Screenshot_20220902-124020_myFICO.jpg 171.31 KiB Viewed 168 times
Screenshot_20220902-124033_myFICO.jpg 238.72 KiB Viewed 168 times
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: Today was the day, but then a surprise....

2 of 8
2 years ago
Fri Sep 02, 2022 1:12 pm
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Saeren
Rebel Administrator
Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For15 days, 20 hours, and 46 minutes Next Level in15 days, 3 hours, and 14 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 15 days, 3 hours, and 14 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 15 days, 3 hours, and 14 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 15 days, 3 hours, and 14 minutes
Automatic early EE is awesome! Congrats to SO! Scores are going to be better than mine soon haha.
Saeren
User avatar
Rebel Administrator
  • Score data TU8 799/EX8 786/EQ8 805
    EQ5 770/EX2 757
    8/18/2023
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Re: Today was the day, but then a surprise....

3 of 8
2 years ago
Fri Sep 02, 2022 2:46 pm
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AllZero
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AllZero has been gardening for over 2 years.
Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 12 days, 20 hours, and 46 minutes Next Level in18 days, 3 hours, and 14 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 12 days, 20 hours, and 46 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 12 days, 20 hours, and 46 minutes ago
Congratulations on SO's improvement! Those scores look great. I've very happy for SO.
AllZero
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Re: Today was the day, but then a surprise....

4 of 8
2 years ago
Sat Sep 03, 2022 2:02 am
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 15 days, 20 hours, and 46 minutes Next Level in15 days, 3 hours, and 14 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 46 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 46 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 46 minutes ago
Fantastic news and great increases! Congrats!
BrutalBodyShots
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Senior Administrator
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Re: Today was the day, but then a surprise....

5 of 8
2 years ago
Sun Sep 04, 2022 12:40 pm
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LaHossBoss
Outlier
LaHossBoss has been gardening for over 2 years.
Level32 Last INQThursday, December 9, 2021 Gardening For2 years, 8 months, 29 days, 20 hours, and 46 minutes Next Level in1 day, 3 hours, and 14 minutes on September 9th INQ 1yr onFriday, December 9, 2022 INQ 1yr reached1 year, 8 months, 29 days, 20 hours, and 46 minutes ago INQ 2yr onSaturday, December 9, 2023 INQ 2yr reached8 months, 29 days, 20 hours, and 46 minutes ago
Just wanted to update that the CO also came off EX yesterday! EX is 100% clean for SO now! Here are the updated scores:
Screenshot_20220903-154835_Experian.jpg 77.51 KiB Viewed 136 times
Screenshot_20220903-154129_Experian.jpg 140.01 KiB Viewed 136 times
Vantage scores for TU and EQ have also updated and I will post those in the VS forum. As a note, SO is at 20-22% Agg Util (depending on the source) and AAoA went down due to the old installment loan (CO) aging off. Depenidng on the source it may or may not have crossed a threshold. I will have to do the math myself. One place says it is now 8y11m and another says it is 9y6m. Ind util is at: Dell 49%, Cap One 46%, Cap One (AU) 31%, CareCredit <1% (but does have a balance). I will update when it reflects the new, lower, balances. Both Cap One should be under 30% and CareCredit at 0% when it updates.
LaHossBoss
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  • Score data EQ 8: 690 9: 655 5: 668 TU 8: 704 9: 658 4: 719 EX 8: 729 9: 642 2: 746
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Re: Today was the day, but then a surprise....

6 of 8
2 years ago
Sun Sep 04, 2022 2:02 pm
User avatar
BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 15 days, 20 hours, and 46 minutes Next Level in15 days, 3 hours, and 14 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 15 days, 20 hours, and 46 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 15 days, 20 hours, and 46 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 15 days, 20 hours, and 46 minutes ago
Congrats! Going clean is awesome. Nice +54!
BrutalBodyShots
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Senior Administrator
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Re: Today was the day, but then a surprise....

7 of 8
2 years ago
Sun Sep 04, 2022 10:48 pm
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AllZero
Outlier
AllZero has been gardening for over 2 years.
Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 12 days, 20 hours, and 46 minutes Next Level in18 days, 3 hours, and 14 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 12 days, 20 hours, and 46 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 12 days, 20 hours, and 46 minutes ago
Woohoo! Excellent news for SO. Those are great scores.
AllZero
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Re: Today was the day, but then a surprise....

8 of 8
2 years ago
Fri Sep 09, 2022 6:07 pm
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Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 5 days, 20 hours, and 46 minutes Next Level in24 days, 3 hours, and 14 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 5 days, 20 hours, and 46 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 5 days, 20 hours, and 46 minutes ago
Congratulations that must be so fulfilling you’ve been working on it for so long! Well done congratulations!
Birdman
User avatar
Primer Author
  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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