Credit Score as of 5/17/07 (average of all three credit scores):
678
Credit Score as of 6/20/07 (average of all three credit scores):
664
Down 14 dang on points! Ugh! I think those two new accounts I opened up in the last 3 months caught up with me (Discover and Chase). And most likely the extra $1000 I added to my credit card debt in April might have done a bit of damage also. This is why I hate moving. I got stuck paying two rents and all those moving expenses and deposits. I know it will pay off in the log run since I did save myself $300+ a month and now stay in a larger and nicer apartment.
Well I need to get back on the ball with that. I have to have the following items in check before I can start home shopping:
I hope to achieve all 5 by February 2008. I have already met the credit limit-to-credit balance ratio. I just need to make sure I stay below 50%. The struggle never ends.
Dimps
678
Credit Score as of 6/20/07 (average of all three credit scores):
664
Down 14 dang on points! Ugh! I think those two new accounts I opened up in the last 3 months caught up with me (Discover and Chase). And most likely the extra $1000 I added to my credit card debt in April might have done a bit of damage also. This is why I hate moving. I got stuck paying two rents and all those moving expenses and deposits. I know it will pay off in the log run since I did save myself $300+ a month and now stay in a larger and nicer apartment.
Well I need to get back on the ball with that. I have to have the following items in check before I can start home shopping:
- Get debt-to-income ratio down to under 40%. (currently at 42%).
- Get credit limit-to-credit balance ratio under 50% (currently at 39%)
- Have a credit score of 750 or higher by August 2007 (currently at 664)
- Have $3000 saved in my Emergency Cash Fund (currently $677.34).
- Have $4000 saved up in Home Purchase Fund (currently $701.99).
I hope to achieve all 5 by February 2008. I have already met the credit limit-to-credit balance ratio. I just need to make sure I stay below 50%. The struggle never ends.
Dimps
Comments
I paid to see my Equifax score back in March, and I've been dying to know what my score is now, but can't justify paying to see it!
I have a Providian credit card that allows me 24/7 access to my Transunion credit score. I also signed up for trials with Privacy Matters and FreeCreditReport.com and both allow me to see my Equifax and Experian credit scores. Both trials are ending soon. I enrolled in them through offers on Cash Duck. When my trials end I will cancel my accounts with them so I won't get charged and then search for another medium offering a free trial.
Cash duck is awesome. How you doing with it? I gotta get some offers in before the end of this month. Thanks for the encouragement.
@ D.C.
I hope it does. I had a goal to hit 700 by July but that doesn't look like it will happen. I am going to need to realign my goal for that one. Girl I am swimming! Backstroke, breaststroke, and every thing. LOL
how is your david bach book? i just happened to pick up a copy today and noticed it on your blog....