Thanks guys!
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
@webhopper wrote:
Well guys; app free since Monday. I locked my rate today. 3.75% and I have to bring about $1600 to close. The lender is giving me a good credit about 4500 credit towards closing. With this refi I cant increase the loan amount; so the credit is helping me get it done faster.
I'm happy!
Good for you! Congratulations!!!!! 
Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
@tcbofade wrote:DW has gotten her SECOND preapproval from Citi in less than a week.
...still gardening, still gardening...
Stay Strong!!!!!! 
@marty56 wrote:
@tcbofade wrote:DW has gotten her SECOND preapproval from Citi in less than a week.
...still gardening, still gardening...
That's what I call "peer" pressure or at least the forum friendly version of it.
Hang tough.
Indeed! You can do it!!!
Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
If i had a few INQ's from 8/4/11 on my EQ report, you think they would be gone today or should I wait until tommorow to pull a new FICO report??
I reaaaaallllllly want to pull one right now!!!!
@LS2982 wrote:If i had a few INQ's from 8/4/11 on my EQ report, you think they would be gone today or should I wait until tommorow to pull a new FICO report??
I reaaaaallllllly want to pull one right now!!!!
And that sounds like frivolous spending. You aren't applying for credit anytime soon. If you use SW, just wait for the update.
@DaveSignal wrote:
@LS2982 wrote:If i had a few INQ's from 8/4/11 on my EQ report, you think they would be gone today or should I wait until tommorow to pull a new FICO report??
I reaaaaallllllly want to pull one right now!!!!
And that sounds like frivolus spending. You aren't applying for credit anytime soon. If you use SW, just wait for the update.
But I don't wanna!!!!!!!!!!!!!! (throws mini tantrum)
Nah I wanna see if they take away that "seeking credit" ding from my negatives.
@LS2982 wrote:
@DaveSignal wrote:
@LS2982 wrote:If i had a few INQ's from 8/4/11 on my EQ report, you think they would be gone today or should I wait until tommorow to pull a new FICO report??
I reaaaaallllllly want to pull one right now!!!!
And that sounds like frivolus spending. You aren't applying for credit anytime soon. If you use SW, just wait for the update.
But I don't wanna!!!!!!!!!!!!!! (throws mini tantrum)
Nah I wanna see if they take away that "seeking credit" ding from my negatives.
So, you're seeking to see if they're seeing that you're seeking, right? 