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Frequent Contributor
Posts: 304
Registered: ‎04-26-2012
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October AA Meeting

Hi, my name is AZHeather and I am an appoholic.  I have been app free for 129 days.  My app of choice is currently Amex. 

 

Several times a week I log on to Amex, enter my info, and hover over the submit button.  Then I reason with myself, picture my FICO scores, and close the window.  I am close, oh so close, thinking of how great that feeling is of reading “You Are Approved!"  Not to mention, getting the card in the mail; feeling the slick plastic in my hand; running my fingers over the raised letters of my name; hearing the noise of the activation label peeling off the card; signing the back knowing – it’s mine -; and the wonderful feeling of it sliding into place in my wallet.  That’s the high. 

 

The low is waking up the next morning with an inquiry!  Oh that ugly inquiry that drives your FICO scores down.  And heaven forbid the inquiry is for not - the denial.  Yes, I said it - the denial!  The thing that pops up on the screen screaming, “YOU ARE NOT CREDITWORTHY!”  The inquiry from the denial, you know, the one that other creditors down the road will see when they HP you and see that while you have the inquiry from Amex, you do not have one on your report.  The shame!!

 

That thought is what makes me close the window; not click the submit button.  Not yet.  Not now.  I am not ready.  I know this.  One year app free, that is my goal.  I will achieve it with a little help from my fellow appoholics.


Starting Score: 634 EQ-FICO (4/20/12) 579 EX-FAKO (4/30/12) 629 TU-FICO (5/6/12)
Current Score: 698 EQ-FICO (11/26/12) 705 EX-(11/21/12) 698 TU-FICO (11/26/12)
Goal Score: 720 (for starters)


Take the FICO Fitness Challenge ~ In the garden until June 2013!
Valued Contributor
Posts: 2,265
Registered: ‎07-23-2012
0

Re: October AA Meeting

lol congrats on being 129 days clean. 

keep yourself busy and you will have no reason to app for anything. 

 

i myself am only 35 days clean but plan on 720+

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:4


2014 Goals:
Lower Utility
15% right now, but going up soon :smileysad:
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: October AA Meeting


AZHeather wrote:

Hi, my name is AZHeather and I am an appoholic.  I have been app free for 129 days.  My app of choice is currently Amex. 

 

Several times a week I log on to Amex, enter my info, and hover over the submit button.  Then I reason with myself, picture my FICO scores, and close the window.  I am close, oh so close, thinking of how great that feeling is of reading “You Are Approved!"  Not to mention, getting the card in the mail; feeling the slick plastic in my hand; running my fingers over the raised letters of my name; hearing the noise of the activation label peeling off the card; signing the back knowing – it’s mine -; and the wonderful feeling of it sliding into place in my wallet.  That’s the high. 

 

The low is waking up the next morning with an inquiry!  Oh that ugly inquiry that drives your FICO scores down.  And heaven forbid the inquiry is for not - the denial.  Yes, I said it - the denial!  The thing that pops up on the screen screaming, “YOU ARE NOT CREDITWORTHY!”  The inquiry from the denial, you know, the one that other creditors down the road will see when they HP you and see that while you have the inquiry from Amex, you do not have one on your report.  The shame!!

 

That thought is what makes me close the window; not click the submit button.  Not yet.  Not now.  I am not ready.  I know this.  One year app free, that is my goal.  I will achieve it with a little help from my fellow appoholics.


 

Now thats deep!!! :smileyvery-happy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 529
Registered: ‎02-14-2012
0

Re: October AA Meeting


AZHeather wrote:

Hi, my name is AZHeather and I am an appoholic.  I have been app free for 129 days.  My app of choice is currently Amex. 

 

Several times a week I log on to Amex, enter my info, and hover over the submit button.  Then I reason with myself, picture my FICO scores, and close the window.  I am close, oh so close, thinking of how great that feeling is of reading “You Are Approved!"  Not to mention, getting the card in the mail; feeling the slick plastic in my hand; running my fingers over the raised letters of my name; hearing the noise of the activation label peeling off the card; signing the back knowing – it’s mine -; and the wonderful feeling of it sliding into place in my walletThat’s the high

 

The low is waking up the next morning with an inquiry!  Oh that ugly inquiry that drives your FICO scores down.  And heaven forbid the inquiry is for not - the denial.  Yes, I said it - the denial!  The thing that pops up on the screen screaming, “YOU ARE NOT CREDITWORTHY!”  The inquiry from the denial, you know, the one that other creditors down the road will see when they HP you and see that while you have the inquiry from Amex, you do not have one on your report.  The shame!!

 

That thought is what makes me close the window; not click the submit button.  Not yet.  Not now.  I am not ready.  I know this.  One year app free, that is my goal.  I will achieve it with a little help from my fellow appoholics.


Lol! OMG!! Boy, did you ever nail that!! :smileylol: The only cure is denial, but alas, even that is temporary. Good luck gardening. :smileytongue:

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM MC | Discover it | JCP


Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: October AA Meeting


adavis425 wrote:

AZHeather wrote:

Hi, my name is AZHeather and I am an appoholic.  I have been app free for 129 days.  My app of choice is currently Amex. 

 

Several times a week I log on to Amex, enter my info, and hover over the submit button.  Then I reason with myself, picture my FICO scores, and close the window.  I am close, oh so close, thinking of how great that feeling is of reading “You Are Approved!"  Not to mention, getting the card in the mail; feeling the slick plastic in my hand; running my fingers over the raised letters of my name; hearing the noise of the activation label peeling off the card; signing the back knowing – it’s mine -; and the wonderful feeling of it sliding into place in my walletThat’s the high

 

The low is waking up the next morning with an inquiry!  Oh that ugly inquiry that drives your FICO scores down.  And heaven forbid the inquiry is for not - the denial.  Yes, I said it - the denial!  The thing that pops up on the screen screaming, “YOU ARE NOT CREDITWORTHY!”  The inquiry from the denial, you know, the one that other creditors down the road will see when they HP you and see that while you have the inquiry from Amex, you do not have one on your report.  The shame!!

 

That thought is what makes me close the window; not click the submit button.  Not yet.  Not now.  I am not ready.  I know this.  One year app free, that is my goal.  I will achieve it with a little help from my fellow appoholics.


Lol! OMG!! Boy, did you ever nail that!! :smileylol: The only cure is denial, but alas, even that is temporary. Good luck gardening. :smileytongue:


" The CC Monologues"

 

Get a director on this!!!! :smileyvery-happy:

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 795
Registered: ‎05-16-2012
0

Re: October AA Meeting


AZHeather wrote:

Hi, my name is AZHeather and I am an appoholic.  I have been app free for 129 days.  My app of choice is currently Amex. 

 

Several times a week I log on to Amex, enter my info, and hover over the submit button.  Then I reason with myself, picture my FICO scores, and close the window.  I am close, oh so close, thinking of how great that feeling is of reading “You Are Approved!"  Not to mention, getting the card in the mail; feeling the slick plastic in my hand; running my fingers over the raised letters of my name; hearing the noise of the activation label peeling off the card; signing the back knowing – it’s mine -; and the wonderful feeling of it sliding into place in my wallet.  That’s the high. 

 

The low is waking up the next morning with an inquiry!  Oh that ugly inquiry that drives your FICO scores down.  And heaven forbid the inquiry is for not - the denial.  Yes, I said it - the denial!  The thing that pops up on the screen screaming, “YOU ARE NOT CREDITWORTHY!”  The inquiry from the denial, you know, the one that other creditors down the road will see when they HP you and see that while you have the inquiry from Amex, you do not have one on your report.  The shame!!

 

That thought is what makes me close the window; not click the submit button.  Not yet.  Not now.  I am not ready.  I know this.  One year app free, that is my goal.  I will achieve it with a little help from my fellow appoholics.


LOL, I am glad I am not the only one going through page 3 of the application and not submitting. I save and get the reminder email to finish the application until it expires and do it all over again. March 2013, March 2013.

 

Congrats on staying 'clean'. You can do it!!!

100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-1/0~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $9500~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $19,400~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3500~ Amazon Store $7000~ Fingerhut $1050
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: October AA Meeting

Hello. My name is Duncan and its been almost a month since my last drapping (drunk apping). I had a close scare and nearly crashed my FICO score into a wall of denial. I was able to pull out if the slide before crashing into the wall (successful recon).

My new car is in the shop (thanks to temporary high utilization) and I hope to have it running for the early summer season. If I'm able to fight off my drapping I hope to one day race jets with other FICO high flyers!


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
Valued Contributor
Posts: 2,265
Registered: ‎07-23-2012
0

Re: October AA Meeting


Duncanrr wrote:
Hello. My name is Duncan and its been almost a month since my last drapping (drunk apping). I had a close scare and nearly crashed my FICO score into a wall of denial. I was able to pull out if the slide before crashing into the wall (successful recon).

My new car is in the shop (thanks to temporary high utilization) and I hope to have it running for the early summer season. If I'm able to fight off my drapping I hope to one day race jets with other FICO high flyers!

this kind of works both ways for you duncanrr. 

i cant decide if the car is a metaphor or not though lol. 

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:4


2014 Goals:
Lower Utility
15% right now, but going up soon :smileysad:
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: October AA Meeting

:smileywink: I don't drink n drive. That's just stupid.

Is there a FICO tipsy taxi I can call? :smileywink:


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
Regular Contributor
Posts: 150
Registered: ‎06-20-2012
0

Re: October AA Meeting

The app and getting approved is great, but the "high" for me is calling that back door number and trying to sweet talk the analyst hoping being pleasant will get me a better CL. Haha anyone else enjoy those phone calls??
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