@Anonymous wrote:
Still celebrating a good run in the garden. Here to report that my closing six credit cards worth a reduction in CLs of $50K, paid off all debt and the mortgage. Score was 848 last spring (300 to 850 TU 08) and because of my actions I now sit at 800. Yes, warnings have been broadcast on myfico about this but I wanted to see what the damage would be. No I could not use all the cards I had and I was tired of debt so I made a four year plan to zero it and I made itNow I can live with the outcome. Note, I have no requirements for debt as I right sized my financials and sit where I planned. Be aware that myfico'ers know there stuff!
Congrats on accomplishing your goals!!!
@AverageJoesCredit wrote:
If i had to choose a 848 Fico 8 score to drop to 800 for the sake of being debt free, i guess id have suffer the humility of only having a 800.
Debt free wins hands down, way to go
Exactly AvgJoe!
@lg8302ch wrote:Hello gardeners
Well I can't believe how fast time went by from January to November... I made it nearly a year in the garden... or maybe I should say I was simply too busy to think about credit and cards and scores...lol.. A quick escape on 11/1 but now back firmly in the garden getting ready for a vacation in about 10 days. Let's see if I can stay here and make a full year of gardening ... it's my 4th attempt but never successful
Cheers
Welcome back! Enjoy your vacation!!!
@Anonymous wrote:
It officially hit six (6) months, today.
We closed on the house on Monday. Yes, Halloween.
Utilities pulled the file today but I think I saw an exemption for reasons related to services.
(Using those exemptions)
But the true test is making it past midnight as the credit files are open as I thought escrow was going to pull this week (yesterday).
Congratulations!!!!
@beautifulblaquepearl wrote:
@lg8302ch wrote:Hello gardeners
Well I can't believe how fast time went by from January to November... I made it nearly a year in the garden... or maybe I should say I was simply too busy to think about credit and cards and scores...lol.. A quick escape on 11/1 but now back firmly in the garden getting ready for a vacation in about 10 days. Let's see if I can stay here and make a full year of gardening ... it's my 4th attempt but never successful
Cheers
Welcome back! Enjoy your vacation!!!
Thank you ....and it looks you can grab a spade and exchange your seedling
Yay! I made it a month! 
Big hi to all the gardners and a huge congrats to any of you "Cubbies" fans. Well earned and deserved