super de duper frustrated. Still waiting on house to close, at least it cleared in house underwriting now, they're going to overlook the rent situation so long as USDA doesn't ask for it. I balance transferred $300 of my husbands remaining Sears card balance over to my 0% interest Playstation card. Now we could pay the balance in full for the Sears card, but, hubby is balking in case closing costs come back much higher on the house. We could be done with the house deal in as few as 7 business days, 4 business days to clear USDA and 3 more business days to actually close. I want this chapter of our lives over with so badly! Knowing what I know now, I will never be paying interest on a credit card again. It's just so frustrating to be stuck through another payment cycle on that Sears card.
Starting Score: 615 EQ (03-15-2012) 600 TU (03-21-2012 Barclays app) USAA Fako 598 Vantage 639 (03-15-2012) Transrisk 616 (03-15-2012) Ch.7 discharged 5/2009
JenniferinFL wrote:super de duper frustrated. Still waiting on house to close, at least it cleared in house underwriting now, they're going to overlook the rent situation so long as USDA doesn't ask for it. I balance transferred $300 of my husbands remaining Sears card balance over to my 0% interest Playstation card. Now we could pay the balance in full for the Sears card, but, hubby is balking in case closing costs come back much higher on the house. We could be done with the house deal in as few as 7 business days, 4 business days to clear USDA and 3 more business days to actually close. I want this chapter of our lives over with so badly! Knowing what I know now, I will never be paying interest on a credit card again. It's just so frustrating to be stuck through another payment cycle on that Sears card.
Hang in there. 7 days is not that long. It will be behind you before you know it and you will have tired hands from signing all those documents....
I'm just so worried something bad is going to happen that screws it up. Sears just reduced his credit limit to just over his balance, but, I caught it in time. Bought his credit reports again and there's nothing negative on them, so, at least that's a relief. I was afraid they reduced it because some negative information showed up, but, all is well. It was a scramble this morning though, paying and balance transfering just in case the closing runs a few days over and Sears has time to report again.
Well I am back again after another brief exit to get a Wally World card (yes I wanted the score:-)). 27 days app free this time. I think I am finally ready to commit for a while to the gardening thing. I had a bunch of clean up work to do before I was completely ready anyway. But I did get an auto increase on my Citi card today. That was a nice surprise. I have been pondering if I will try again for the Amex CLI. I think I may after my next payment to Citi posts...so I am shooting for around June 15th as Amex reviews my account around the 11th. That should put me in a better position with 9% on just the Citi card and no other balances reporting. I go back and forth on it. I am really not sure whether to pull the trigger on that again. I guess when that time comes I will know. It won't bother me either way. I am holding on to my goals of getting the Citi account to zero. That way I can have a fresh slate to handle my credit cards the right way.
Starting over in the garden...my seed has been planted:-)Last app: 02/23/2013
nancy601 wrote:Just checking in to stop myself from apping for something I don't need
I hear you on that one.. Though, minus the prime cards. I'm still in rebuilder credit mode, but, realistically have at least 6 months before I can qualify for better anyways..
JenniferinFL wrote:I'm just so worried something bad is going to happen that screws it up. Sears just reduced his credit limit to just over his balance, but, I caught it in time. Bought his credit reports again and there's nothing negative on them, so, at least that's a relief. I was afraid they reduced it because some negative information showed up, but, all is well. It was a scramble this morning though, paying and balance transfering just in case the closing runs a few days over and Sears has time to report again.
Keeping my fingers crossed for you! With any luck at all, this will be over and done with in a few days and you can breathe a sigh of relief.
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
nancy601 wrote:Just checking in to stop myself from apping for something I don't need
Good for you! If you don't need it, stay away from the app button!
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
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