@RushXTC wrote:It's been a while, But I've been gardening for 7 months now!
Nicely done! I commend your patience! 
@Anonymous wrote:JUST CHECKING IN...
Literally changed from Bronze to Silver spade this morning. Two hours later, got the itch to app.
Haven't thought about it in 3 months!
Luckily, the thing I wanted to app for is the Citi TYP 60,000. I applied in April for AAdvantage and was denied for "previous relationship" w/ Citi, so I just kept telling myself "nothing's changed. nothing's changed. don't waste it." -- not to mention, I want a mortgage next summer. It subsided, but this credit thing can turn an otherwise rational human being into a compulsive madman.
STAYING STRONGLY PLANTED.. for now.
Glad to see that you're staying strong! Mortgages are big ticket times. Letting everything age for another year will probably help you out quite a bit. My scores are up 20 points just from the last 8 months of gardening. If that happens to you, it will probably knock your interest rate down a bunch. Good luck!
Happy Saturday All! I made it through the first week of school. Paying bills today. Heading out to the store and taking my girls outs. Scores are the same not much still working on getting UTI down. Hopefully i will get some more CLI Luv from some of my cards next month...
I haven't checked in in quite sometime. Since my last checkin, I haven't applied for any new credit. I am seeing consistent increases coming in from different creditors without asking. My total credit limits are now $53k. Paying bills ontime and making more than the minimum. My inquiries are falling off. Walmart says 775 - Discover shows my transunion score is 772... whoot whoot! Equifax shows 776... Now experian on the other hand has many inquiries that will drop within the next year or so. I think I'm at 740. I do have a student loan which is showing as being in excess of its credit limit... why is that I have no idea. anyone with any ideas?
@Anonymous wrote:JUST CHECKING IN...
Literally changed from Bronze to Silver spade this morning. Two hours later, got the itch to app.
Haven't thought about it in 3 months!
Luckily, the thing I wanted to app for is the Citi TYP 60,000. I applied in April for AAdvantage and was denied for "previous relationship" w/ Citi, so I just kept telling myself "nothing's changed. nothing's changed. don't waste it." -- not to mention, I want a mortgage next summer. It subsided, but this credit thing can turn an otherwise rational human being into a compulsive madman.
STAYING STRONGLY PLANTED.. for now.
Benadryl shotgut pointed at your head so you won't shoot yourself in the foot. Go look at the mortgage rates for the different tiers of scores, and tell me that doesn't motivate you to stay in the garden. The ONLY way you are going to get any of the things you want is to stay up in here. Period.
Afternoon all! About to get some new ink 
Zero credit news. Guess this lease might not report until I make the first payment in October not sure. Enjoy your day.
Zero credit news. Guess this lease might not report until I make the first payment in October not sure. Enjoy your day.
