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Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: October AA Meeting


adavis425 wrote:

I can quit whenever I want......:smileywink:


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:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Established Contributor
calihlove75
Posts: 787
Registered: ‎05-16-2012

Re: October AA Meeting


adavis425 wrote:

I can quit whenever I want......:smileywink:


denial...intervention time!!!!


100% Ficos: EX 762, TU 767, EQ 754 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $14,000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Moderator
Shogun
Posts: 12,883
Registered: ‎04-15-2011

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.  :smileysad: 


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
Shogun
Posts: 12,883
Registered: ‎04-15-2011

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.  :smileysad: 


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
Shogun
Posts: 12,883
Registered: ‎04-15-2011

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.  :smileysad: 


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
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

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.  :smileysad: 


Shogun felt so guilty about this that he posted his message 3 times :smileyhappy:



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
rosegardener
Posts: 54
Registered: ‎08-10-2012

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?  :smileytongue:

 

 

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
calihlove75
Posts: 787
Registered: ‎05-16-2012

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.  :smileysad: 


Shogun felt so guilty about this that he posted his message 3 times :smileyhappy:


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


100% Ficos: EX 762, TU 767, EQ 754 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $14,000~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Regular Contributor
bobebob
Posts: 244
Registered: ‎08-14-2011

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. :smileyhappy:

 

Still, I expected to take a small hit.

 

bobebob || June: My FICO SW EQ(Upgraded Version) = 821 ||June: Walmart TU Fico=834Goal = 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
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

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?  :smileytongue:

 

 


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

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