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10-27-2012 10:16 AM
Howdy, howdy boys and girls.
I'm still here, just awfully busy.
DW lost her job 03 August, so the last few months have been a real challenge for us...our util is going in the WRONG direction...
The good news is that she starts a new job 01 November, so there IS light at the end of the tunnel, but it seems awfully far away.
No Apps since 08 August...I'm about two weeks shy of my silver spade...
Well, in terms of good news / bad news, at least you started with bad news but ended with good news... much better than the other way around! Congrats to your wife for finding a new job and best wishes to her.
Silver spade on the horizon... woo hoo!!!
10-27-2012 11:27 AM - edited 10-27-2012 11:28 AM
I got another SW today, and my EQ score has gone up 5 points! I'm now at 722, which is only 1 point shy of where I was before my recent app spree.
This latest boost was from my BoA Visa Signature card "settling" into my garden. Since it's a BoA siggy card, the $5000 CL doesn't report, only the high balance. I had charged and paid off a little over $300 before the very first statement cut, but there was an additional last minute ~$200 charge came through and there was no time to get it paid before the statement cut. So, the card must have been weighted in as being close to maxed out -- yuck! Well, this past month I got my high balance up to $1216 and once again closed out the statement with another charge of around $200. Now the card doesn't look maxed out, so I got a score boost! Next month I'll try to see if I can close out the statement with a $0 balance, and at some point I should be able to up my high balance. But for now, I'm much happier with the way that my siggy card is reporting.
All in all, my little seedlings are settling into my garden very nicely! Now that I've had a couple of statement cycles pass, I have more control over issues relating to the timing of util reporting. Glad see my scores on the rise!
10-27-2012 03:29 PM
Still gardening, Beacon 5.0 score has flatlined at 643 for the past few months, ah well. Looking back at my plan with more experience, I think I should've applied for a CLI-chaser card (GE-backed something or other) to have something more short-term than the theoretical mortgage to look forward to from a credit building perspective.
I suppose it could be worse as at least I am barely over the minimum mortgage underwriting hurdle with that score .
Trying to build some measuring sticks in the rest of my life other than my finances, hopefully that'll keep me on track towards my goals.
Stick with it Revelate! It sure does seem like you've come a long way in less than 12 months. So imagine what will happen as time continues to take effect. Inquiries falling off, baddies falling off, AAoA increasing, etc. will all bring you to the level you need for that desired mortgage. Congrats on all the progress, and keep your head held high.
10-28-2012 06:08 PM
I am now entering the garden, i think this is neccessary since i am now realizing how addictive credit is.
10-28-2012 06:37 PM
10-29-2012 03:21 AM
Almost there! Only 3 more days until the Nov 2012 garden club is in existence.
10-29-2012 03:31 AM
I'm twitching .... must app lol only been 2 weeks jk I only want one more card and I know I have to wait 6 months for that atleast. I gained 30k + in credit limits this month so I can sit tight for now =) (starting from $3,500 limits hehe)
10-29-2012 11:20 AM
10-29-2012 01:59 PM
Last credit pulled June 2012. Planning to garden until April 2012.
Starting Score: MyFICO Equifax Score 523 (pulled March 2011)
Current Score: MyFICO Equifax Score 643, MYFICO Transunion Score 628, Experian report from there website 651 (pulled October 2012)
Goal Score: 700 by April 2013
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