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Regular Contributor
SisterGirl
Posts: 214
Registered: ‎11-17-2012
0

Re: Been awhile...

I can totally understand. We sometimes need to step back & focus on the path to the yellow brick road ahead. I've been working on strategies to improve some, delete some, AVOID some...:smileyvery-happy:

 

Take care of yourself....great to see you !

 

SisterGirl

SisterGirl
Valued Contributor
Repo-ed
Posts: 2,954
Registered: ‎02-09-2012
0

Re: Been awhile...

Hey LS, I to have slipped a bit and now have about $1300 in revolving balance between the Barclay, Amazon, Costco TE, and Delta gold.

 

Though I will be back down to 0% util by March 1st, I've been down on myself as well.  I need to remember where I was when I only had $320 in CL, and now that I have $21k, that it does not mean I can be sloppy.

Established Contributor
lithium78
Posts: 929
Registered: ‎07-30-2011
0

Re: Been awhile...

Welcome back, LS.  Sorry to hear about the post-holidays debt.  It can be easy to slip when you have a lot of credit available.  You've just got to remember that those aren't loan products in your wallet; they're discount cards.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

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Senior Contributor
BearsAndTurtlesRtheBest
Posts: 3,580
Registered: ‎10-02-2012
0

Re: Been awhile...

Hey how long did you have your ON card b4 you got upgrade. what was your current CL when offered upgrade, what your new cl after upgrade. Alaso was it a hard pull?

$1,000$600 "Two credit cards is all I need"
EX FICO 627, EQ FICO 622, TU FICO 629, No Delinquencies of any Sort, Gardening Since 10-14-14
Valued Contributor
android01
Posts: 1,213
Registered: ‎09-22-2009
0

Re: Been awhile...

[ Edited ]

Glad to see you LS! :smileyhappy: There doesn't seem to be many of the "old guard" left who posts here anymore.  :smileysad: I post when the the new PSECU scores are up and there usually a total of 4 people who respond!  

EQ FICO - EQ08 - 850 -10/22/14
TU FICO - TU08 - 850 - 10/22/14
EX FICO - EX08 - 850 - 10/22/14
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Been awhile...

Thanks android!! You know sometimes I'll think about buying something big and think back to all the conversations on here with you and others about being responsible with my cards and stop myself. Its a good feeling!!!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
TeeandDee
Posts: 426
Registered: ‎02-09-2012
0

Re: Been awhile...

Hi LS! Welcome back! I'm in the same boat.  I went a little crazy over the holidays with my spending so I'm carrying a balance on way too many of my credit cards and my utl is high right now.  I've been paying it down but I estimate it won't be until April that my scores recover.  Lesson learned. :smileywink: 

Slowly building....
Established Contributor
bettercreditguy1
Posts: 758
Registered: ‎02-11-2012
0

Re: Been awhile...

It is always easy to borrow, much harder to pay back. Sometimes the old saying, "wait three days" then revisit and see if you really need that item. Many times you don't. Just helps to give you a check point before you purchase.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
Frequent Contributor
bbb3601
Posts: 328
Registered: ‎01-26-2012
0

Re: Been awhile...

Welcome Back (Imagine the Kotter theme song!) 2012 was a big year for many of us. Time to get our house back in order so to speak!! Hopefully we can keep one another on track!?

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.




Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Been awhile...

I feel I have the spending under control. Its paying down this debt this year I have to take a hard stance on. I really worry about AA a lot.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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