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@sccredit wrote:2012 was a very good year credit wise. Bought a beautiful home in SOuthern California, went from $4,400 in credit lines to almost $85,000. This year the I'll need to buy a new car but that is the only new credit planned for the year...ok, ok, maybe a couple new cards :-)
No apps since September, looking forward to hitting 6 months with no apps for any reason!
Congrats on 2012 being a fruitful year!
I like your shiney silver, but gold will be even better!
Best of luck on your gardening goals.!
3 days until my bronze spade.
ive been put in my place by amex.
apped bce and denied
ex score given is 721.
off to the garden until at least september when all my inq are over a year.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
Just stepped out , To get my new Amex Gold Delta SkyMiles Card ......... I am back in the garden now
I'm still here hanging on in the New Year; still app free for over a year!
@digitaldiva wrote:I'm still here hanging on in the New Year; still app free for over a year!
digitaldiva is a PRO gardener
Grats on the hard work!
@webhopper wrote:
@digitaldiva wrote:I'm still here hanging on in the New Year; still app free for over a year!
digitaldiva is a PRO gardener
Grats on the hard work!
+1
Hello!
I will be gardening for a minimum of four months. That is until May 2, 2013, a couple of weeks before my little sister's graduation.
During this time I will attempt to bring my utilization rate down from 76% to 50% minimum. I will also attempt to pay my Discover
and Capital one CCs down to at least 50% and leave it that way.I'm aiming to get back into the 700 club, ASAP. I fell into a ditch,
endulged in the less-than circumstances and "opportunities" for more credit, and it's time for it to be over.
Wish me luck! <3
- Nia
@Blazesian wrote:Hello!
I will be gardening for a minimum of four months. That is until May 2, 2013, a couple of weeks before my little sister's graduation.During this time I will attempt to bring my utilization rate down from 76% to 50% minimum. I will also attempt to pay my Discover
and Capital one CCs down to at least 50% and leave it that way.I'm aiming to get back into the 700 club, ASAP. I fell into a ditch,
endulged in the less-than circumstances and "opportunities" for more credit, and it's time for it to be over.
Wish me luck! <3
- Nia
Hey Blaze,
I sorta remember your circumstances from back in either May or June, what other cards besides the Discover and CC were you approved for? Personally I think you're doing great, being unemployed is absolutely a reasonable circumstance for running up one's credit cards, and the resultant score drop does not last forever. I think you'll be fine but good luck anyway .
Well, 2012 was a truly challenging year. I originally joined this site, as stated in previous post, in 2008 attempting to correct credit issues. I hit the credit app bug quick and eventually found myself in the same predicament years later. Last year, I had an epiphany to truly "get it together". I have reviewed various post that state that you can do this on your own; however, I found great difficulty in doing so. Therefore, in the last quarter of 2012 I acquired a credit repair service to assist. Since that time they have been able to remove (7) Equifax, (0) Experian, and (11) Transition. I decided that I need to also do my part and assist, so I logged back onto the myFICO to also aide in my credit advocacy. It is important that if I work in tangent with the credit repair company I will begin to see swifter results.
In also reviewing my credit I have to now settle the debts for the "charge-offs". I know that my days of burying are over and I have to face the music. My UTI is extremely high (almost 85%) and I must tackle that immediately. I first would like to obtain a secured USAA Amex for $1k. Once I get this card I will only use that and put away the (4) cards I still have as active.
I started this race four years ago and did not finish; however, I am going to finish this time. Once I get the USAA card I am staying in the garden until December 2013. I will see where I am and if I succeeded in decreasing my UTI to 0% and removing most of the baddies I will apply for 1 card as my Christmas present.
I am so ready to be able to answer my phone on a regular basis.