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Frequent Contributor
aamex
Posts: 266
Registered: ‎04-28-2011

It's a marathon, not a sprint

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‎07-15-2012 09:01 AM

Building credit that is. So, for everyone growing impatient with their CLs or having the urge to app. Take breather.

 

Have a good day everyone!

Wallet: Amex Platinum | BOA Travel Rewards | Chase Sapphire Preferred| Discover More
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Mega Contributor
LS2982
Posts: 14,342
Registered: ‎04-09-2011

Re: It's a marathon, not a sprint

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‎07-15-2012 11:43 AM

Good advice!

Tame your inner appbar!!


Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 721 5/16/2013
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tinuviel
Posts: 3,868
Registered: ‎11-02-2010

Re: It's a marathon, not a sprint

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‎07-15-2012 12:56 PM

Well said! Thanks for the reminder. :smileyhappy:



Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
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Valued Contributor
Duncanrr
Posts: 2,496
Registered: ‎06-08-2012

Re: It's a marathon, not a sprint

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‎07-15-2012 01:02 PM

I app therefore I am :smileywink:


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750
Take the FICO Fitness Challenge
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Member
CaptKirk
Posts: 17
Registered: ‎06-17-2012

Re: It's a marathon, not a sprint

[ Edited ]
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‎07-15-2012 01:34 PM - edited ‎07-15-2012 01:34 PM

Agreed. And to extend the metaphor, don't forget to warm up or you might hurt yourself

 

After I got approved for a card recently i went on an app spree and all the inquiries and new credit actually dropped by FICO score by about 40 points.   I've now moved into marathon/garden mode.

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Established Contributor
JusdoNit
Posts: 921
Registered: ‎12-10-2011

Re: It's a marathon, not a sprint

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‎07-15-2012 05:37 PM

That it is. That it is.

Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800
If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge


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Established Contributor
searchingfor67
Posts: 612
Registered: ‎08-02-2011

Re: It's a marathon, not a sprint

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‎07-15-2012 05:39 PM

Thanks for the reminder
TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCP $17K | Amex Costco TE $10.4K | Amex SPG $6.1K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi Dividend World MC $10.1K | Citi Forward $10K | Discover IT $9K | JP Morgan Select Visa Signature $9.2K | NFCU Flagship Visa Signature $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $10K | USAA World MC $9K
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Valued Contributor
Repo-ed
Posts: 2,602
Registered: ‎02-09-2012

Re: It's a marathon, not a sprint

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‎07-15-2012 05:40 PM

LS2982 wrote:
Good advice!

Tame your inner appbar!!

EP-IC!

Starting Score: TU:650 - EQ: 672
Current Score: TU: 706 - EQ: 680 - EX: 699
Goal Score: 700
Take the myFICO Fitness Challenge
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Frequent Contributor
BigDaddy18
Posts: 673
Registered: ‎04-23-2009

Re: It's a marathon, not a sprint

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‎07-15-2012 08:07 PM

Very nicely put, time is your friend when it comes to establishing credit worthiness!!

Starting Score: EQ FICO 777
Current Score: EQ FICO 803
Goal Score: EQ FICO 810

Take the FICO Fitness Challenge

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Frequent Contributor
nuggets321
Posts: 338
Registered: ‎03-25-2011

Re: It's a marathon, not a sprint

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‎07-16-2012 05:35 AM

+ 100

TU-691 (MYFICO) EQ- 665 (MYFICO) EXP 717(Amex denial letter)
My Wallet : Dicover More 5000CL / Amex Zync NPSL / WellsFargoRewards3800 / -CapOne 2000CL / GEMBWalMart 4500CL / Zales 2000CL-Kays 1800-Jared 1800-Macys 1500CL /SSFCU 1000CL / CitiBank Plat Select 2000CL / CHASE Freedom 1100CL / Lowes 4500 CL / BBuyStoreCard 2700CL Sears Store Card (Citi) 1920 / Firestone CFNB 1400 Toyota Financial $35,000 Auto Loan /1000DiscountTire(GECRB)
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