Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: October AA Meeting


adavis425 wrote:

I can quit whenever I want......Smiley Wink


Admitting you have a problem is your first step. We are here to listen whenever you are ready to talk.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Established Contributor
Posts: 803
Registered: ‎05-16-2012
0

Re: October AA Meeting


adavis425 wrote:

I can quit whenever I want......Smiley Wink


denial...intervention time!!!!

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
Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

Re: October AA Meeting

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.  Smiley Sad 

Starting Score: 504
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!
Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

Re: October AA Meeting

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.  Smiley Sad 

Starting Score: 504
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!
Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

Re: October AA Meeting

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.  Smiley Sad 

Starting Score: 504
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!
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: October AA Meeting


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.  Smiley Sad 


Shogun felt so guilty about this that he posted his message 3 times Smiley Happy



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
Established Member
Posts: 54
Registered: ‎08-10-2012
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!

Drapping FTW!!!!

 

What's on tap for this weekend?  BCP? NFCU? JPM?  Smiley Tongue

 

 

In the wallet: USAA MC $4k, Citi Expedia MC $2k, Discover More $1k, Zync $500, American Eagle $1.9k, Amazon Store $1.5k, Lowes $1k, Belk $1.4k, Macy's $500, Abercrombie $350, VS $350
Score: 702 (Discover approval 08/03)
Goal: 800 Club
Picking up my intro spade and stepping in the garden. Let's grow some pretty roses!
Established Contributor
Posts: 803
Registered: ‎05-16-2012
0

Re: October AA Meeting


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.  Smiley Sad 


Shogun felt so guilty about this that he posted his message 3 times Smiley Happy


LOL,  I love this thread so much! I think Duncanrr should become everyone's sponsor Smiley Wink

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
Frequent Contributor
Posts: 263
Registered: ‎08-14-2011
0

Re: October AA Meeting

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. Smiley Happy

 

Still, I expected to take a small hit.

 

bobebob || Nov: My FICO SW EQ(Upgraded Version) = 822 ||Sept: Walmart TU Fico=838Goal = FICO's>800 || In my wallet: CostcoAmEx(20k), DCU Visa Platinum (10k), BoA Visa Signature (17.1k), Walmart Discover (7.5k), AmEx Corporate (5k). All PIF every month.
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
0

Re: October AA Meeting


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?  Smiley Tongue

 

 


LSU vs. Florida, day game (I dont get as out of control on those Smiley Wink ).  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).



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
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.