Frequent Contributor
Posts: 343
Registered: ‎06-25-2013

Re: I have been a bad little seedling..


If a man empties his purse into his head, no one can take it from him. An investment in knowledge always pays the best interest. - Benjamin Franklin
FICO Equifax-741, FICO Transunion-729, FICO Experian-740, Walmart FICO-754
Capital One Platinum|Capital One Quicksilver Cash Rewards|Chase Amazon Visa Rewards|BOA Cash Rewards|Walmart Discover|Sallie Mae MC Goal scores- 760+
Regular Contributor
Posts: 134
Registered: ‎06-18-2013

Re: I have been a bad little seedling..

Shogun wrote:

Bluebonnet wrote:


:smileysad: at ERT watchlist. 

Come see me,,, I know the best places to hide!

Oh really?  I'll keep that in mind!  *ERT watchee* lol

Starting Scores 11/12/2012 EX - 590, EQ - 584, TU - 601
FICO Scores as of 02/06/2014 EX - 687, EQ - 659, TU - 697
BK 7 Discharged Oct 2010, In my wallet: NFCU VisaSiggy $26K; NFCU GoRewards $10K; NFCU Navcheck $15K; Star Furniture $5K, Conns Credit $7K, GE (Ashley Furniture) $1K, GE (Rooms to Go) $3K, Barclay Arrival MC $3K; PWFCU Visa $2.5K; Cap1 Quicksilver1 $2K; Chase Freedome $500; Cap1 Secured $500
Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013

Re: I have been a bad little seedling..

Congrats! :smileywink: at least you were honest about you escape. Lol

LAST APP: 08/20/2013
Valued Contributor
Posts: 1,126
Registered: ‎10-15-2011

Re: I have been a bad little seedling..

I would let a high balance report to each card at least once.  For some companies they look to see if you are using the credit you have to determine new limits.  Letting it report without a balance could make it appear that you haven't used the card.  I PIF every month and watch what gets posted.  I go through mst of my cards at least once and charge them up to their limit when I can and let that post so it reflects in the CR.  Another thing it lets me see is how my score is affected when they post.  Thanks to my AUs it is easy for me to do this and also a bit sad!  My AU's are hurting my score to the tune of about 50 points on my TransRisk score!  I actually had to get PayPal to raise my limit to $7500 to insure that it wasn't at 90%+ of my CL.  My last balance reported at $2500 of a $3000 CL.  This cause my TransRisk score to drop even more.  It also affected my FICO but not as much! 


I am sitting in the Garden for the next year or more to simply insure that at some point I will break the 720 mark for my FICO!  I have way too many inquiries on my report and many new accounts.  I owe all the new accounts to Capital One.  Since they wouldn't extend my credit beyond $500 before I knew about the EO, I yearned for more credit!  I went out and got it after listening to them tell me for the millionth time they keep my CL up to date!  I proved that was just a line of hogwash.  I now have 20x what I had because of Capone silliness!


Go sit in the Garden, as I did in the past, to get where I am today.  Don't be too hasty about getting too much.  Slow and steady wins the race.  If your goal is two years to be here you should be just fine in the end.  However, you might want to consider being there a year so you can get into new accounts with better limits sooner and better cards!


Good luck either way!

Rethink every purchase you make, before you make it. Use the card with the best rewards. Pay in full each month. Redeem rewards often. Use the cards online shopping for more discounts. Smile, knowing that being thrifty allows you to actually get more out of the same amount of money!

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