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Moderator Emeritus
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Please help...I'm alittle nervous


Jlu wrote:

To everyone who thinks I'm just being a meankitty, I'm not. I was being real. This culture of extreme app spreeing isn't healthy. An app spree used to mean 3-5 well placed apps within a short time span. snowkitty is only the most recent, I seem to remember someone having 15 new accounts in a short period of time. I don't believe it is wise to encourage this behavior - it can lead to AA/closures and some of these folks may not be using credit for fun like some of us but instead actually need it as part of raising a family or even providing essentials for themselves (times are tough). So yeah, regardless of the fact that OP has a cute&cuddly name like snowkitty, I'm going to be real because people (unfortunately) use these forums for real financial advice.


 

Your point is well taken that app sprees need to be embarked upon judiciously instead of recklessly. But, I don't believe that anyone on this thread has been encouraging reckless behavior. The OP is new and is just learning these things and will most likely take this into account when apping in the future. I think that most of us have done something with our credit at one point or another that we thought better of after the fact. I know that I have. The point is that what's done is done, and the best course of action for the OP is to sit tight and see how things play out. Overall, that's the gist of the advice that was given.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
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Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Please help...I'm alittle nervous

Whatever happens is going to happen regardless, just no apps for 1 year.



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
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Frequent Contributor
AZHeather
Posts: 304
Registered: ‎04-26-2012
0

Re: Please help...I'm alittle nervous


tinuviel wrote:

Your point is well taken that app sprees need to be embarked upon judiciously instead of recklessly. But, I don't believe that anyone on this thread has been encouraging reckless behavior. The OP is new and is just learning these things and will most likely take this into account when apping in the future. I think that most of us have done something with our credit at one point or another that we thought better of after the fact. I know that I have. The point is that what's done is done, and the best course of action for the OP is to sit tight and see how things play out. Overall, that's the gist of the advice that was given.


Well said Tinuviel.


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)


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Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012
0

Re: Please help...I'm alittle nervous

Thanks for all your help :catvery-happy:   You can find me in the garden 

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Valued Member
2ndTimeAround2012
Posts: 48
Registered: ‎02-07-2012
0

Re: Please help...I'm alittle nervous


snowkitty wrote:

Thanks for all your help :catvery-happy:   You can find me in the garden 


+1 Good decision!

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