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It's a marathon, not a sprint

Frequent Contributor

It's a marathon, not a sprint

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: Fidelity Investment Rewards | BOA Travel Rewards | Chase Sapphire Preferred | Discover More
Message 1 of 27
26 REPLIES
Mega Contributor

Re: It's a marathon, not a sprint

Good advice!

Tame your inner appbar!!



EQ FICO 548 3/3/16
Message 2 of 27
Moderator Emeritus

Re: It's a marathon, not a sprint

Well said! Thanks for the reminder. Smiley Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 3 of 27
Valued Contributor

Re: It's a marathon, not a sprint

I app therefore I am Smiley Wink


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Message 4 of 27
Established Member

Re: It's a marathon, not a sprint

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.

Message 5 of 27
Established Contributor

Re: It's a marathon, not a sprint

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


Message 6 of 27
Established Contributor

Re: It's a marathon, not a sprint

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

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K
Message 7 of 27
Valued Contributor

Re: It's a marathon, not a sprint


LS2982 wrote:
Good advice!

Tame your inner appbar!!

EP-IC!

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 8 of 27
Frequent Contributor

Re: It's a marathon, not a sprint

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

Message 9 of 27
Frequent Contributor

Re: It's a marathon, not a sprint

+ 100

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
My Wallet : Dicover More 35,500 CL -Amex Zync NPSL -WellsFargoRewards4800 - -CapOne 3000CL -GEMBWalMart 5000CL - Zales 4000CL-Kays 2900--Macys 5000CL /SSFCU 5000CL / CitiBank Diamond Pref 15000CL - CHASE Freedom 13500CL -Lowes 10,000 CL - BBuyStoreCard 10,000CL Sears Store Card (Citi) 3000 - Firestone CFNB 1400 Toyota Financial $35,000 Auto -2200DiscountTire(GECRB) Citi TY Preferred 8100CL - Chase Slate$4000-BofA15000-ToyotaRewardsVisa$10,700 -BofA$8500 AMEX BCE 9,500
Message 10 of 27