My scores are starting to creep slowly back up as I pay down some debts.
[EDIT: I only have 11% reporting on CC, but I have a $10k loan that I owe 83% on, probably still showing as 85%.]
Late July my FICO 8s were 776-787-768, but took hits from too much spending (some of it couldn't be avoided, but some could have 
) and a few inquiries late last year. So I'm getting back on track.
I've seen some unusual (for me) things this past month. TU is usually my highest score and it's currently the lowest. I saw all three FICO 8 scores the same one day, for a few hours, hahaha. They're never the same.
EQ8 809, TU8 790, EX8 797 as of May 11
I am waiting for the six months to even get a starting score. It's crazy how impatient I have become to see one finally appear. It's been many years since I had great credit and can't wait to get it back.
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Checking in,
Scores are slowly climbing. Even though I only "officially" started rebuilding in January, I'm seeing worthwhile progress.
Fico 8
Tu 617 up from 596
Eq 631 up from 611
Ex 631 up from 619
Fico 9
Tu 670
Eq 651
Ex 638
I've paid down around 20k of debt and collections in the last two months (10k this month). I'll see the effects of reduced util next month. Hopefully a 20pt jump, keeping my fingers crossed!
Thanks to all that keep this forum alive and well. It is very helpful, technically and psychologically - having a safe, no judgment space to grow! Hope my journey can be inspiration to others.
Starting Score: 611