@WillTeasle wrote:Good evening, folks.
@myjourney wrote:Tonight's question (fill in the blanks)
To have success with building my credit I need to _______? This will enable me to _________?
To have success with building my credit I need to restrain myself from applying purely for sign-up bonuses. This will allow me to apply for CLs at times when I actually need them.
Also, gotta keep working on paying down one balance, but that pretty much goes without saying...
Hi there! 
Well this is a nice surprise, haven't seen you in a while lol.
@Irisa wrote:
@WillTeasle wrote:Good evening, folks.
@myjourney wrote:Tonight's question (fill in the blanks)
To have success with building my credit I need to _______? This will enable me to _________?
To have success with building my credit I need to restrain myself from applying purely for sign-up bonuses. This will allow me to apply for CLs at times when I actually need them.
Also, gotta keep working on paying down one balance, but that pretty much goes without saying...
Hi there!
Howdy, Irisa. And yeah, I fell off the face of the earth for a bit there. Really need to do a better job prioritizing my life. Working on that.
Currently, I'm working on getting 12 maxed out cards under control. (nine down, three to go) DW has two reporting maxed out, and we'll take care of those in December.
With her back in the 700's, she'll refinance our mortgage in January. With my scores back in the 700's, I'll probably be taking a home equity loan out AFTER she refi's.
Is it January yet? 
@WillTeasle wrote:
@Irisa wrote:
@WillTeasle wrote:Good evening, folks.
@myjourney wrote:Tonight's question (fill in the blanks)
To have success with building my credit I need to _______? This will enable me to _________?
To have success with building my credit I need to restrain myself from applying purely for sign-up bonuses. This will allow me to apply for CLs at times when I actually need them.
Also, gotta keep working on paying down one balance, but that pretty much goes without saying...
Hi there!
Howdy, Irisa. And yeah, I fell off the face of the earth for a bit there. Really need to do a better job prioritizing my life. Working on that.
I completely undestand. I'm working on that myself.
Welcome back!
@tcbofade wrote:Currently, I'm working on getting 12 maxed out cards under control. (nine down, three to go) DW has two reporting maxed out, and we'll take care of those in December.
With her back in the 700's, she'll refinance our mortgage in January. With my scores back in the 700's, I'll probably be taking a home equity loan out AFTER she refi's.
Is it January yet?
Almost Jan ....Lol
Good job buddy keep up the good work
You and DW
@tcbofade wrote:Currently, I'm working on getting 12 maxed out cards under control. (nine down, three to go) DW has two reporting maxed out, and we'll take care of those in December.
With her back in the 700's, she'll refinance our mortgage in January. With my scores back in the 700's, I'll probably be taking a home equity loan out AFTER she refi's.
Is it January yet?
Howdy! Keep up the good work getting that utilization down. January will be here before you know it.
Btw, shouldn't that signature say you're being held hostage in the garden until 1/15? Don't think we're letting you escape in November! lol
@tcbofade wrote:Currently, I'm working on getting 12 maxed out cards under control. (nine down, three to go) DW has two reporting maxed out, and we'll take care of those in December.
With her back in the 700's, she'll refinance our mortgage in January. With my scores back in the 700's, I'll probably be taking a home equity loan out AFTER she refi's.
Is it January yet?
Sounds like next year will be a good one!
I need to not think of gardening as bad. I NEED to think of apping as bad! haha.
It's funny -- I had pizza today!
