I admit it....
I am addicted to checking my score on MyFico! When I started 1-2 months ago, my Credit Karma scores were 619 TU & 614 EX. I had the following items on my credit report:
Applied Bank 3/05 2049/2750 (on TU only)
Mortgage 5/10 119142/132000
Capital One 2/04 779/1650
Capital One 7/15 Closed/Paid
CB/Meijer 11/14 999/1000
Bank Car Loan 5/01 Closed/Paid
Credit One 10/14 639/800
Kohls/Cap One 11/14 0/400
Syncbank/Amazon 12/15 678/700
3 HP's (7/15, 7/15, 12/15)
Medical Collection - Rev Recovery 6/15 $396
Only lates - 3 30 days on mortgage(10/13, 3/14, 4/14)
I bought a MyFico subscription and have been following my credit scores. Now they are up to 664 EQ, 682 TU, and 673 EX. I paid off Applied and closed it. I paid off Credit One and Amazon. Will probably close Credit One soon, Did PFD on Rev Recovery. I opened up a Discover IT with $5200 CL and a Chase Freedom Unlimited with $2000 limit. Paid off 1/2 Meijer. Now I am just going to keep paying down balances until I have 1 cc reporting at less than 10% utilization. This is so fun and exciting! Can't wait until I get my scores up high enough to refinance mortgage at best rate.