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The Sleigh Center is a dump- Welcome to the new Concorduser Center

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Moderator Emeritus

The Sleigh Center is a dump- Welcome to the new Concorduser Center

It took 8 months to run The Sleigh Center into the ground-
 
I vow not to apply for any New credit - until Jan 2009 or later 
No more Apps!!!!!!!
 
This thread is dedicated to those who have re-built their credit but need encourgement to "credit garden"
 
I invite anyone to join- 
There is no HVT in the Concorduser Center- as after joining and making your commitment to not app until XX/XXXX and you violate your commitment, you may no longer post in the Concorduser Center. 
 
Let's see in a year who can still post in this thread.
Message 1 of 246
245 REPLIES
Regular Contributor

Re: The Sleigh Center is a dump- Welcome to the new Concorduser Center

From Nov 06 to Nov 07 I got 20 cards. Caught the frenzy! My goal is no apps until Jan 09 when I get a TrueEarnings Amex (Costco) and a Discover card. 2009 will be the year to determine the keepers among them. I'll last till January.   [edited to go back a year - sigh]



Message Edited by Logical on 04-09-2008 10:11 PM

Message Edited by Logical on 04-09-2008 10:14 PM
Message 2 of 246
Established Contributor

Re: The Sleigh Center is a dump- Welcome to the new Concorduser Center

Logical, Nov 08 hasn't happened yet?

As for me, I vow not to apply for any new cards until a GREAT USAA Amex offer comes (12-36 months)...does that work or do I need to set a specific date? -hehe
__________________________________________________
Time to clean house and get rid of CCs from bad CCCs. Opt'd Out and Paying off the Balance: BofA. Closed: Chase Freedom. Keeping: Amex Blue, Amex Costco Cash back, Citi Forward, USAA MC, USAA Amex, and PenFed Platinum Cash Back. Next up for review: Chase Sapphire...
Message 3 of 246
Regular Contributor

Re: The Sleigh Center is a dump- Welcome to the new Concorduser Center



Pj1369 wrote:
Logical, Nov 08 hasn't happened yet?


Thanks for the catch - I edited it.
 I think it's time for bed.   Say good night, Gracie . . .
Message 4 of 246
Established Contributor

Re: The Sleigh Center is a dump- Welcome to the new Concorduser Center



Logical wrote:


Pj1369 wrote:
Logical, Nov 08 hasn't happened yet?


Thanks for the catch - I edited it.
I think it's time for bed. Say good night, Gracie . . .





Good goal and good luck!
__________________________________________________
Time to clean house and get rid of CCs from bad CCCs. Opt'd Out and Paying off the Balance: BofA. Closed: Chase Freedom. Keeping: Amex Blue, Amex Costco Cash back, Citi Forward, USAA MC, USAA Amex, and PenFed Platinum Cash Back. Next up for review: Chase Sapphire...
Message 5 of 246
Established Contributor

Re: The Sleigh Center is a dump- Welcome to the new Concorduser Center

I BBYGRL vow not to app until I purchase my first home. My target date for a home - ASAP. Target date for a new cc will be 1/2010. I guess I'll be doing a lot of gardening...
10/08 - EX 795 / EQ 816 / TU 806
6/09 - EQ 763 / TU 770

Starting Score (2/2010): TU-767, EQ-745
Current Score (2/2010): TU-767, EQ-745
Goal Score (12/2010): TU-780, EQ-790


Take the FICO Fitness Challenge
Message 6 of 246
Senior Contributor

Re: The Sleigh Center is a dump- Welcome to the new Concorduser Center

I ran out of things to app for. Smiley Happy Letting all age. I'm in again.
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
Message 7 of 246
Established Contributor

Re: The Sleigh Center is a dump- Welcome to the new Concorduser Center

I am totally up for this challenge.

I went through a crazy app spree in 2007, and now I am getting rid of cards.

I vow not to app until May of 2009, with the stipulation that my score must be 760 or greater! If I do not meet the FICO score requirement then I will continue my pledge until I have reached my goal!

I have 19 open CC's and plan to have cut 10 over the next year.....already ditched 4! ALL CC's PAID IN FULL!! WOO HOO!

There is too much clutter in my desk!
Message 8 of 246
Established Contributor

Re: The Sleigh Center is a dump- Welcome to the new Concorduser Center

I love the name of the "new" center! Very appropriateSmiley Wink Right now I only have 1 foot in the door..I am rebuilding right now..diluting the bad with the good. I have been good though, went shopping at Gap and Old navy and did not attempt to app!
Message 9 of 246
Contributor

Re: The Sleigh Center is a dump- Welcome to the new Concorduser Center

Yes, I'm in! And I love the new name. Smiley Very Happy I've applied for tons of apps, been approved for most, even if the limit has been low. But I am at a point where I'm gardening. There's just one more card I want to apply for, and that's the USAA, either the MC or Amex, but I prefer the Amex. So I promise not to apply until February of 2009, which would be a year from my original application spree. *crosses fingers*
Manga is food for my soul. Smiley Happy
Message 10 of 246