Fell out of the garden and got what I deserved!!

[Imperfectfuture]

The FICO forums do not advocate freezing reports to pull a better one. And no matter how you rationalize it, freezing eq is so they don't pull it. It's your report, it's your duty to clean.

I jumped through a ton of hoops to clean off collections with fall off dates between 2016 and 2019. I don't freeze any of my reports. I waited to apply for prime cards till the reports were clean.

You've been given good advice on getting that off equifax. If it's supposed to fall off after 7 years, which I believe is the case, then you need to make sure eq follows through.

Reports on ice are allowed in the forum for the purpose of not apping. Okay, Nuff ranting.

[Imperfectfuture]

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@Anonymous wrote:
Dont put words in my mouth friend I made zero promises and have no regrets. Plans are modified according to progress

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Heehee, you know I'm just joshing you.  And with that nice cli on discover, I would have no regrets neither.

[Anonymous]

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@Imperfectfuture wrote:
The FICO forums do not advocate freezing reports to pull a better one. And no matter how you rationalize it, freezing eq is so they don't pull it. It's your report, it's your duty to clean.

I jumped through a ton of hoops to clean off collections with fall off dates between 2016 and 2019. I don't freeze any of my reports. I waited to apply for prime cards till the reports were clean.

You've been given good advice on getting that off equifax. If it's supposed to fall off after 7 years, which I believe is the case, then you need to make sure eq follows through.

Reports on ice are allowed in the forum for the purpose of not apping. Okay, Nuff ranting.

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Like me, I froze EX so I don't accidentally slip and apply for AMEX or Chase who seem to pretty much give me whatever I want right now.

[Anonymous]

You can borrow my couch

[App_Addict]

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@Anonymous wrote:
You can borrow my couch

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I do appreciate that, but fortunately she has forgiven me!    She knows I'm addicted to that rush and has put up with me for 23 years so is willing to give me another chance (after I turned over my Victoria Secret Card to her, that I soooo had to app for!  

[Anonymous]

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@App_Addict wrote:

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@Anonymous wrote:
You can borrow my couch

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I do appreciate that, but fortunately she has forgiven me!    She knows I'm addicted to that rush and has put up with me for 23 years so is willing to give me another chance (after I turned over my Victoria Secret Card to her, that I soooo had to app for!  

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Nice new handle

[Anonymous]

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@Anonymous wrote:

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@App_Addict wrote:

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@Anonymous wrote:
You can borrow my couch

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I do appreciate that, but fortunately she has forgiven me!    She knows I'm addicted to that rush and has put up with me for 23 years so is willing to give me another chance (after I turned over my Victoria Secret Card to her, that I soooo had to app for!  

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Nice new handle

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Yeah, I was confused for a minute.  Fits him.  Well it could fit a lot of us.

[App_Addict]

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@Anonymous wrote:

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@App_Addict wrote:

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@Anonymous wrote:
You can borrow my couch

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I do appreciate that, but fortunately she has forgiven me!    She knows I'm addicted to that rush and has put up with me for 23 years so is willing to give me another chance (after I turned over my Victoria Secret Card to her, that I soooo had to app for!  

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Nice new handle

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Nixon, I figured I just might as well embrace it! 

[App_Addict]

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@Anonymous wrote:

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@Anonymous wrote:

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@App_Addict wrote:

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@Anonymous wrote:
You can borrow my couch

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I do appreciate that, but fortunately she has forgiven me!    She knows I'm addicted to that rush and has put up with me for 23 years so is willing to give me another chance (after I turned over my Victoria Secret Card to her, that I soooo had to app for!  

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Nice new handle

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Yeah, I was confused for a minute.  Fits him.  Well it could fit a lot of us.

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Irish, sadly it does!  I was also inspired by myfico Idol Creditaddict  I just think I get more joy out of the hunt than the capture! 

[LiberatedRN]

 I am sorry it didn't work out for you as planned, and forgive me, but the title of your thread made me laugh!!! I have felt like that before.I have applied for cards when I knew better! This whole credit thing is something else! Best wishes to you!