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No. of Recommendations: 7
It's a three paycheck month, I got back embarrassingly large tax refunds, and I got overtime pay this month. Oh, and my ex's insurance paid off the car loan! And the month's not over yet (one more paycheck).

However, it is the stable portion of the month where all 3 CRA's are reporting the same balances on all my accounts, so it's a good time to update.

My previous post was here:

My progress at a glance is here:

And my current table looks like this:


Creditor Balance Util Rate
Kinecta LOC 0 0.0 12.0
Universal Card 3404 29.6 10.8
Kinecta Visa 6558 43.7 7.5
Discover 1 4524 29.8 6.3
CapitalOne 5793 35.6 6.8
Chase 0 0.0 4.5
Discover 2 0 0.0 1.2
WAMU Visa 0 0.0 0.0

Total 20278 24.3 7.6

Other debt

Creditor Balance Util Rate
Sister 20000 N/A 5.0
Toyota 0 0.0 4.1
Mortgage 150832 N/A 4.6

My TrueCredit scores:
11/17/06 716 701 698
01/01/07 731 691 741
02/16/07 751 710 751
03/20/07 769 740 754

My FICO scores:
03/20/07 767 743 744

The Toyota loan went from $10k to $0 this month with the payoff from my ex's insurance claim. However, I believe I owe my ex that $10k, and I already signed over to her the extra $2500 the insurance paid out. So far, she hasn't complained about wanting the $10k now, so I'll tack it on to my equalization payment of $128k whenever the court gets around to signing my judgment.

I paid off the 3 credit cards with the lowest balances, and am now left with the 4 cards with the highest limits.

With all my TrueCredit scores well above my target of 725, I went ahead and bought FICO scores to make sure that everything will be in order for the HELOC (looks good!)

From now on, I'll just be straight snowballing.

Oh, and I asked Ms. legal assistant to lunch when my judgment is signed ("Sure!"). Maybe that's not such a good idea, but I did it anyway. Hopefully she doesn't have second thoughts in the meantime -- it could take another several months the way it seems to be going. I guess I'll just have to wait and find out.
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