@adavis425 wrote:I can quit whenever I want......
Admitting you have a problem is your first step. We are here to listen whenever you are ready to talk.
100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
I was in the garden, but decided to join a new CU. Got hit with a HP on EQ. Not quite the same, but I still feel a little shame. 
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
I was in the garden, but decided to join a new CU. Got hit with a HP on EQ. Not quite the same, but I still feel a little shame.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
I was in the garden, but decided to join a new CU. Got hit with a HP on EQ. Not quite the same, but I still feel a little shame.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Shogun wrote:I was in the garden, but decided to join a new CU. Got hit with a HP on EQ. Not quite the same, but I still feel a little shame.
Shogun felt so guilty about this that he posted his message 3 times 
@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!
Drapping FTW!!!!
What's on tap for this weekend? BCP? NFCU? JPM? 
@Duncanrr wrote:
@Shogun wrote:I was in the garden, but decided to join a new CU. Got hit with a HP on EQ. Not quite the same, but I still feel a little shame.
Shogun felt so guilty about this that he posted his message 3 times
LOL, I love this thread so much! I think Duncanrr should become everyone's sponsor 
My most recent app last month generated a HP, but my Fico score stayed the same at 806.
I don't app that often though. I only have 2 in the last year including that one.
Still, I expected to take a small hit.
@rosegardener wrote:
@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!Drapping FTW!!!!
What's on tap for this weekend? BCP? NFCU? JPM?
LSU vs. Florida, day game (I dont get as out of control on those ). No apping for me this month. My utilization on my low limit crap1 card dropped my scores like 40 points. Statement this month isnt due until the 24th so Im in forced app freeze till then. Btw, that is one very effective and temporary anti-app tonic. Only problem is Im fearful of my new card creditors pulling report right now.
Roommate has moved in and will join NFCU at beginning of November (was my original target date for app spree before Hurricane Isaac forced my hand). I'll then lay low until refi in June and after refi I think Im going to target the following cards: 1. BCP or BCE, 2. CSP, 3. AMEX SPG; and 4. Citi forward. I'll probably also seek CLI from my two Chase cards.
I'll be set then without the need to app for any more credit. I would have all the cards I want (exception being a Discover card and maybe a Barclays cards but those are wants not needs). Ill have relationships established with these prime lenders: WF, AMEX, Chase and Citi (also NFCU and GECRB). That will take my cards up to a total of 12. Once I drop the crap1 secured card then I'll be close to my target number of 10 (would have 11 cards).