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Valued Contributor
dodfire
Posts: 1,453
Registered: ‎04-14-2012
0

Re: App Addiction (AA Meeting)


Pilotdude wrote:
Hi Bobby,
Considering that going off your sig, there are only one or two cards left for you to get,you will be in the garden soon....like it or not. Lol

Yes you are right......Then it will be time to work on higher limits I suppose....otherwise I am going to get bored and start actually charging things on these cards...LOL

*8/10/13
Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013
0

Re: App Addiction (AA Meeting)

It's great to see that you are managing them so well!! It serves as a great inspiration for those of us just getting underway!!
Salute! :smileyhappy:

NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Valued Contributor
dodfire
Posts: 1,453
Registered: ‎04-14-2012
0

Re: App Addiction (AA Meeting)

It is just great to be back on top of the credit game.

In 2008 after a nasty divorce I lost everything....had a forclosure on a brand new home that I had built. Lost all credit.

2 years ago I started my rebuilding journey with nothing except a FP card and a $250 limit.

I refuse to get back into debt and lose it all again.

I hope that I can give some input on these forums to help those that are where I was a few years ago. 

*8/10/13
Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

Re: App Addiction (AA Meeting)

Congrats on the approval and hard work you have been putting into rebuilding your credit. :smileyhappy:

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Established Contributor
ObeyJohnny12
Posts: 591
Registered: ‎05-05-2012
0

Re: App Addiction (AA Meeting)

Congrats on the approval. Now off to the garden! :smileytongue:

You have a nice set of cards, let them age. 

Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Valued Member
credit3xhausted
Posts: 35
Registered: ‎04-02-2012
0

Re: App Addiction (AA Meeting)


dodfire wrote:

Hello, my name is Bobby and I am an addict.

 

Ok so I was suppose to be in the GARDEN as of 2/20/13 but I gave into my temptations with NFCU.

 


 

 

Garden, I don't have a garden, lol!  I have a field!!!!!

 

I have over 40 inquiries on Experian!

Over 17 cards :smileysad:

I am an addict and proud of it.  One year ago I would have never thought that I would be approved a credit card.  I started with secured credit cards and I recently received my first card with a $2500 credit limit (yes, it is a GECRB card-Paypal MC).

 

All my other cards are toy limits. except for Wal-Mart Store card at $1,200 CL.  

 

Also, we got our first auto lease :smileyhappy:  My husbands first brand new 2013 Toyota Tundra CrewMax.

Last month we also got my car refinance at 5.75% from 18%!!!

 

I look at it this way, if I had never become an addict I would still be paying high interest rates on all my loans.  I would also not be able to purchase a home.  I made it from 499 to 644 in less than 12 months (even with all my mistakes of applying for everthing that had an application, lol).  

 

Thank you myFICO!  I was able to have the following removed: foreclosure, repo, three charge offs, 10 collections, and am 12 months of no lates.  My baddies are student loan lates 12 x 120+ lates from two student loans and 1x30 day, 1x60 day 1x90 day.  I keep telling myself that in two years I will be golden (only if I stop applying).  Maybe I am still in denial just a little bit....

MyFico on 03/30/12: EQ 500; MyFico as of 03/06/2013: EQ 653
Wal-Mart (TU08) on 12/09/2012: 637; Wal-Mart (TU08) 03/07/2013: 700

Regular Contributor
jayrock24
Posts: 125
Registered: ‎08-28-2011
0

Re: App Addiction (AA Meeting)

im here and believe me when i say i need to be i neeeed to be 4 new acounts in 2 months excuse me thats 5 new apps in 2 months atleast i was approved but gosh my aaoa is gone to iiiisssshhh util is up but gosh

gardening tu fico 770 eq fico 735 ex fico 698 last app 2/27 chase freedom instant approval planing on gardening until my house search begins sometime in jun or july
Regular Contributor
omskillet
Posts: 118
Registered: ‎01-04-2012
0

Re: App Addiction (AA Meeting)


dodfire wrote:

Hello, my name is Bobby and I am an addict.

 

Ok so I was suppose to be in the GARDEN as of 2/20/13 but I gave into my temptations with NFCU.

 

I had already had the Cash Rewards card but I wanted the Flagship so bad I could already feel it in my wallet.

So, today I committed the garden "SIN" and applied.....

 

Result: Approved!!!!!

 

Ok I feel much better getting that off of my chest, now I can hardly contain myself waiting for the arrival of my new card.

This time I really am going to the garden....

 

GOAL: 1 year!!!!


Completely off topic but what the Cowboys card you have there? I want one. 

Valued Contributor
dodfire
Posts: 1,453
Registered: ‎04-14-2012
0

Re: App Addiction (AA Meeting)


omskillet wrote:

dodfire wrote:

Hello, my name is Bobby and I am an addict.

 

Ok so I was suppose to be in the GARDEN as of 2/20/13 but I gave into my temptations with NFCU.

 

I had already had the Cash Rewards card but I wanted the Flagship so bad I could already feel it in my wallet.

So, today I committed the garden "SIN" and applied.....

 

Result: Approved!!!!!

 

Ok I feel much better getting that off of my chest, now I can hardly contain myself waiting for the arrival of my new card.

This time I really am going to the garden....

 

GOAL: 1 year!!!!


Completely off topic but what the Cowboys card you have there? I want one. 


Cowboys = Barclay's NFL

*8/10/13
Valued Contributor
dodfire
Posts: 1,453
Registered: ‎04-14-2012
0

Re: App Addiction (AA Meeting)


credit3xhausted wrote:

dodfire wrote:

Hello, my name is Bobby and I am an addict.

 

Ok so I was suppose to be in the GARDEN as of 2/20/13 but I gave into my temptations with NFCU.

 


 

 

Garden, I don't have a garden, lol!  I have a field!!!!!

 

I have over 40 inquiries on Experian!

Over 17 cards :smileysad:

I am an addict and proud of it.  One year ago I would have never thought that I would be approved a credit card.  I started with secured credit cards and I recently received my first card with a $2500 credit limit (yes, it is a GECRB card-Paypal MC).

 

All my other cards are toy limits. except for Wal-Mart Store card at $1,200 CL.  

 

Also, we got our first auto lease :smileyhappy:  My husbands first brand new 2013 Toyota Tundra CrewMax.

Last month we also got my car refinance at 5.75% from 18%!!!

 

I look at it this way, if I had never become an addict I would still be paying high interest rates on all my loans.  I would also not be able to purchase a home.  I made it from 499 to 644 in less than 12 months (even with all my mistakes of applying for everthing that had an application, lol).  

 

Thank you myFICO!  I was able to have the following removed: foreclosure, repo, three charge offs, 10 collections, and am 12 months of no lates.  My baddies are student loan lates 12 x 120+ lates from two student loans and 1x30 day, 1x60 day 1x90 day.  I keep telling myself that in two years I will be golden (only if I stop applying).  Maybe I am still in denial just a little bit....


Great job on all of your success!!!!! 

*8/10/13

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