@TrialByFire wrote:
We fall into several types of categories: new to credit, rebuilding, and established. I was wondering how did you test drive your credit once you felt like it was good enough to app for cards?
For the rebuilders, once you hit a certain point did you test drive your newly found improved credit status like a Cadillac, slow and smooth? Or did you run it like a Lamborghini on the autobahn?
Personally, the 690 mark was my threshold(after being sub 500 at one point). At that point, my credit put on gasoline drenched underwear and went dancing around a campfire drunk. Got approved for a 50k auto loan, Chase freedom, Barclay and BCE, among others that I am too ashamed to admit. All on the same day lol. Maybe not the most responsible thing to do but a year later it has worked out pretty good.
So what was your threshold score and did you go slightly crazy with it, like I did, or did you hang on to that precious score for a while? If you went on a massive app spree how far did you take it?im a rebuilder from a BK7 in 2013. I had a thick file before filing, so I wasnt scared of credit at all. So, after my discharge, I went all hell bent for election. I apped for everything again, noone was safe, LOL... you dont get 81 inquiires on EQ for being a wuss in apping, LMAO!...( to my defense...I honestly didnt know I have that many until just recently)...Im firmly planted in the garden with over 100k in available credit now.
@TrialByFire wrote:
We fall into several types of categories: new to credit, rebuilding, and established. I was wondering how did you test drive your credit once you felt like it was good enough to app for cards?
For the rebuilders, once you hit a certain point did you test drive your newly found improved credit status like a Cadillac, slow and smooth? Or did you run it like a Lamborghini on the autobahn?
Personally, the 690 mark was my threshold(after being sub 500 at one point). At that point, my credit put on gasoline drenched underwear and went dancing around a campfire drunk. Got approved for a 50k auto loan, Chase freedom, Barclay and BCE, among others that I am too ashamed to admit. All on the same day lol. Maybe not the most responsible thing to do but a year later it has worked out pretty good.
So what was your threshold score and did you go slightly crazy with it, like I did, or did you hang on to that precious score for a while? If you went on a massive app spree how far did you take it?
@pizza1 wrote:
@TrialByFire wrote:
We fall into several types of categories: new to credit, rebuilding, and established. I was wondering how did you test drive your credit once you felt like it was good enough to app for cards?
For the rebuilders, once you hit a certain point did you test drive your newly found improved credit status like a Cadillac, slow and smooth? Or did you run it like a Lamborghini on the autobahn?
Personally, the 690 mark was my threshold(after being sub 500 at one point). At that point, my credit put on gasoline drenched underwear and went dancing around a campfire drunk. Got approved for a 50k auto loan, Chase freedom, Barclay and BCE, among others that I am too ashamed to admit. All on the same day lol. Maybe not the most responsible thing to do but a year later it has worked out pretty good.
So what was your threshold score and did you go slightly crazy with it, like I did, or did you hang on to that precious score for a while? If you went on a massive app spree how far did you take it?im a rebuilder from a BK7 in 2013. I had a thick file before filing, so I wasnt scared of credit at all. So, after my discharge, I went all hell bent for election. I apped for everything again, noone was safe, LOL... you dont get 81 inquiires on EQ for being a wuss in apping, LMAO!...( to my defense...I honestly didnt know I have that many until just recently)...Im firmly planted in the garden with over 100k in available credit now.
@TrialByFire wrote:
We fall into several types of categories: new to credit, rebuilding, and established. I was wondering how did you test drive your credit once you felt like it was good enough to app for cards?
For the rebuilders, once you hit a certain point did you test drive your newly found improved credit status like a Cadillac, slow and smooth? Or did you run it like a Lamborghini on the autobahn?
Personally, the 690 mark was my threshold(after being sub 500 at one point). At that point, my credit put on gasoline drenched underwear and went dancing around a campfire drunk. Got approved for a 50k auto loan, Chase freedom, Barclay and BCE, among others that I am too ashamed to admit. All on the same day lol. Maybe not the most responsible thing to do but a year later it has worked out pretty good.
So what was your threshold score and did you go slightly crazy with it, like I did, or did you hang on to that precious score for a while? If you went on a massive app spree how far did you take it?
How do you still have 81 EQ inquiries if they roll themselves over every so often due to CK and other HP.
@pizza1 wrote:
@TrialByFire wrote:
We fall into several types of categories: new to credit, rebuilding, and established. I was wondering how did you test drive your credit once you felt like it was good enough to app for cards?
For the rebuilders, once you hit a certain point did you test drive your newly found improved credit status like a Cadillac, slow and smooth? Or did you run it like a Lamborghini on the autobahn?
Personally, the 690 mark was my threshold(after being sub 500 at one point). At that point, my credit put on gasoline drenched underwear and went dancing around a campfire drunk. Got approved for a 50k auto loan, Chase freedom, Barclay and BCE, among others that I am too ashamed to admit. All on the same day lol. Maybe not the most responsible thing to do but a year later it has worked out pretty good.
So what was your threshold score and did you go slightly crazy with it, like I did, or did you hang on to that precious score for a while? If you went on a massive app spree how far did you take it?im a rebuilder from a BK7 in 2013. I had a thick file before filing, so I wasnt scared of credit at all. So, after my discharge, I went all hell bent for election. I apped for everything again, noone was safe, LOL... you dont get 81 inquiires on EQ for being a wuss in apping, LMAO!...( to my defense...I honestly didnt know I have that many until just recently)...Im firmly planted in the garden with over 100k in available credit now.
@TrialByFire wrote:
We fall into several types of categories: new to credit, rebuilding, and established. I was wondering how did you test drive your credit once you felt like it was good enough to app for cards?
For the rebuilders, once you hit a certain point did you test drive your newly found improved credit status like a Cadillac, slow and smooth? Or did you run it like a Lamborghini on the autobahn?
Personally, the 690 mark was my threshold(after being sub 500 at one point). At that point, my credit put on gasoline drenched underwear and went dancing around a campfire drunk. Got approved for a 50k auto loan, Chase freedom, Barclay and BCE, among others that I am too ashamed to admit. All on the same day lol. Maybe not the most responsible thing to do but a year later it has worked out pretty good.
So what was your threshold score and did you go slightly crazy with it, like I did, or did you hang on to that precious score for a while? If you went on a massive app spree how far did you take it?
lol x 1,000!
@Anonymous wrote:
Not all BKs are the results of poor choices.
And even when they are... people can learn from their mistakes. Also... having credit doesn't necessarily mean carrying balances.
AMEN!!!!! Thank God someone has this attitude
...Totally agree...Ive got tons of credit, but only have ONE card reporting now with a $12.44 balance. I neve carry balances, always PIF, and my reporting util is 1% despite all my credit, new cards, inquiires etc... Thank you for saying this!
@Anonymous wrote:
@pizza1 wrote:
@TrialByFire wrote:
We fall into several types of categories: new to credit, rebuilding, and established. I was wondering how did you test drive your credit once you felt like it was good enough to app for cards?
For the rebuilders, once you hit a certain point did you test drive your newly found improved credit status like a Cadillac, slow and smooth? Or did you run it like a Lamborghini on the autobahn?
Personally, the 690 mark was my threshold(after being sub 500 at one point). At that point, my credit put on gasoline drenched underwear and went dancing around a campfire drunk. Got approved for a 50k auto loan, Chase freedom, Barclay and BCE, among others that I am too ashamed to admit. All on the same day lol. Maybe not the most responsible thing to do but a year later it has worked out pretty good.
So what was your threshold score and did you go slightly crazy with it, like I did, or did you hang on to that precious score for a while? If you went on a massive app spree how far did you take it?im a rebuilder from a BK7 in 2013. I had a thick file before filing, so I wasnt scared of credit at all. So, after my discharge, I went all hell bent for election. I apped for everything again, noone was safe, LOL... you dont get 81 inquiires on EQ for being a wuss in apping, LMAO!...( to my defense...I honestly didnt know I have that many until just recently)...Im firmly planted in the garden with over 100k in available credit now.
@TrialByFire wrote:
We fall into several types of categories: new to credit, rebuilding, and established. I was wondering how did you test drive your credit once you felt like it was good enough to app for cards?
For the rebuilders, once you hit a certain point did you test drive your newly found improved credit status like a Cadillac, slow and smooth? Or did you run it like a Lamborghini on the autobahn?
Personally, the 690 mark was my threshold(after being sub 500 at one point). At that point, my credit put on gasoline drenched underwear and went dancing around a campfire drunk. Got approved for a 50k auto loan, Chase freedom, Barclay and BCE, among others that I am too ashamed to admit. All on the same day lol. Maybe not the most responsible thing to do but a year later it has worked out pretty good.
So what was your threshold score and did you go slightly crazy with it, like I did, or did you hang on to that precious score for a while? If you went on a massive app spree how far did you take it?
How do you still have 81 EQ inquiries if they roll themselves over every so often due to CK and other HP.
Nixon..IDK...I guess i just replenished them along the way LOL