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Addicted

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Rlandon87
Regular Contributor

Addicted

This is where I need to be!!
I currently have 35 HP's on my reports... Sad I know.

I have all the accounts I want/need and now just need to watch em grow!
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Message 1 of 10
9 REPLIES 9
azguy13
Senior Contributor

Re: Addicted

Wow, 35 is a lot. I hope you remain satisfied, lol

Message 2 of 10
myjourney
Super Contributor

Re: Addicted

Doctors and gardeners waiting to assist you

check in at gate 

http://ficoforums.myfico.com/t5/Credit-Cards/Garden-Club-Meeting-August-2013/td-p/2334767

You need to stop seriously for future credit needs Smiley Wink

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 3 of 10
09Lexie
Moderator Emerita

Re: Addicted

Message 4 of 10
Rlandon87
Regular Contributor

Re: Addicted

35ish on each... I think eq is the lowest at 31 lol.

It hurts... The reasoning is due to a HUGE score bump I never had before. I joined the forums almost a year ago with low 500 scores. I brought them up to almost 700's and went Insane. I bought two new vehicles in the last year and app'd for lots of cards and CLI.

I am now in the garden and my roots are deep-- I will not be straying out anytime soon!!
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Message 5 of 10
Rlandon87
Regular Contributor

Re: Addicted

They are evenly spread out over 2 ish years until a week ago.
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Message 6 of 10
Mopar_Jones
Contributor

Re: Addicted

35?

 

When was the last time you applied? Did you have to recon? What did they say about your inqs?.. and what was your answer?..

Message 7 of 10
GaTech
Frequent Contributor

Re: Addicted

Assuming the OP will garden at least a year, then you'll see a nice bump up in your scores once the HP fall off/stop affecting your score.
As of 1/10/2014 EX FICO - 748. EQ FICO - 728. Trans FICO - 755

WellsFargo - $3,000 AMEX BCE - $18,000 Chase Freedom - $4,000



Message 8 of 10
Rlandon87
Regular Contributor

Re: Addicted

I have had no trouble being approved-- haven't been denied for anything in 6 months (Chase/Discover/GECRB). I had to recon for the freedom but was instantly approved for GECRB/Walmart and Oldnavy and Discover it with 26+ inquiries.
Which to me was surprising.

I actually just got a $1250 auto increase from chase minutes ago lol....

Income is $70,000 and Fico's average low 600 area.

I hope you're right about gardening for a while and seeing a big score increase.
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Message 9 of 10
Rlandon87
Regular Contributor

Re: Addicted

If I could get general revenue and old GECRB charge offs from 3 years ago off my reports if be sitting pretty.

Sorry for horrible grammar-- brought to you by iPhone qwerty
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Message 10 of 10
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