Starting Score: 639 (Walmart TU)
Rep-ed wrote:Hopefully today is the day I step out of the garden, but only for a short while.
MAYBE I can even accomplish my goals, as I did the first time I went to the CU, without them doing a HP, as I've just printed off all 3 reports fresh this morning (along with a ton of other paper-work)
Will check back in later on my gardening status.
Took all my paperwork in this morning, and the mgr was more than willing to offer me a 1k loan based upon the reports I bought from here.
However, he was not able to process an app for a unsecured CC without a HP of TU and EQ.
The bad news their TU score came back at 627 (mine came back from here this morning at 664). The good news is my EQ came back at 627 (mine came back 617 from here this morning).
So clearly, a couple of different algorithms being used.
Either way, he said my score last year was 557 when I applied for my last loan, so at least I'm somewhat moving in the right direction. Loan was for 1k @ 9%
Still waiting to hear back on rates from the CC. The CL is $1500 - I was asking for $1420. BT is 4%, but I only have $170 to transfer, so no biggie.
Will update again when I get the apr on the CC.
Starting Score: TU:650 - EQ: 672
tinuviel wrote:
digitaldiva wrote:
Still in the garden, been here almost 6 months; and yes, at first, it was frustrating seeing all of my myFICO members getting their shiny new plastic. But now, it doesn't really bother me because I know, with time and patience, I'll be able to do the same. However, my garden did get a little smaller; I got rid of one of my Capital One rebuilder cards because I finally got fed up with them. I still have a Capital One card that I plan to get rid of; but I'm waiting for that account to age for about another six months or so.
WTG!!! That's great!
Thanks, tinuviel! It feels pretty awesome because I didn't think I'd be able to do it at first; that is, until I changed my way of thinking... 
NikJ4 wrote:
Smug wrote:NikJ4 wrote:
ok, so my feelings were seriously hurt this past month by lack of improvement with regards to my credit. I mean, I am busting my butt and feel like I am not seeing results as quickly as others it appears. Well, I need this last week to just be mad now I am back with a vengence to get MY credit profile in shape to be sought after by Primeville USA. I am thankful to the Lackluster Group of Creditors for taking a chance with me because it could have gone a different way. I know this. I couldnt get a secured card just over a year ago and now I am at least getting SOMETHING. I could grip and complain but that is all it would be.
I want to say a special thank you to LS for all the help you have given me. I wont lie and say I am not a little green and it is NOT from the garden but I am happy you have your Zinc. I will let my garden grow and tend to it properly and hope that next year I can say the same thing. I think I will attempt once more in Jan 2013 but if to no avail then I will wait until I close on my next house.
I think UPGRADING A HOME should be motivation enough to keep me in the garden and I really do like being able to pay for things with CASH!! Oh, I got my EX score from my lender because I wanted to see what it was and I am a 604. Now I will pull the other 2 and see where they fall.. I am close to being in the 600's which is an accomplishment for me all in itself.
Your score will move give it a chance I was in the high 500's starting and a year later in the low 700's and it's getting better every day.
Thanks, I know I get a caught up in the hype but must realize that all good things come to those who wait. Patience is not something I have mastered just yet.
Take it one day at a time NikJ!!!! You can do it!!
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