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Frequent Contributor
Posts: 328
Registered: ‎01-26-2012
0

What have I done. Garden time now.

Since buying our house and cars earlier this year I haven't apped for anything. Haven't even checked my scores since May. Got an auto increase from Barclay's,Lowes, and Walmart this month. Apped for freedom and received on recon for 1k.  Went out with the family to school shop (cash) and the app for our card and get this % off bug completely sucked me in. Old Navy, JCP hard pulls,    some wierd auto approve with Buckle. They swiped me and asked if I wanted card. OMG what have I done. I am freezing my reports, and never school shopping again.

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.




Frequent Contributor
Posts: 350
Registered: ‎07-13-2012
0

Re: What have I done. Garden time now.

quick to the garden!

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Regular Contributor
Posts: 168
Registered: ‎12-05-2007
0

Re: What have I done. Garden time now.

imacdrew that was funny

Starting Score: 5/2012 TU 595, EQ 565, EX fako 547
Current Score:as of 9/2012, TU 626,Walmart 612, EQ 600, EX fako 623
Goal Score: 640 by dec 2013
BofA Au 13000, Amazon 600, Capt1 300, Walmart 150
When all else fails pay it!


Valued Contributor
Posts: 2,152
Registered: ‎09-16-2011
0

Re: What have I done. Garden time now.

[ Edited ]

bbb3601 wrote:

Since buying our house and cars earlier this year I haven't apped for anything. Haven't even checked my scores since May. Got an auto increase from Barclay's,Lowes, and Walmart this month. Apped for freedom and received on recon for 1k.  Went out with the family to school shop (cash) and the app for our card and get this % off bug completely sucked me in. Old Navy, JCP hard pulls,    some wierd auto approve with Buckle. They swiped me and asked if I wanted card. OMG what have I done. I am freezing my reports, and never school shopping again.


Could be worse you could of been given a Target Redcard with a $200 limit that will never grow,  JCP and OldNavy are Ge Money bank cards and  you can get CLI's every 4 months. 

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 8.5k and a nice stack of store cards.
Last APP/HP 4/22/2015
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: What have I done. Garden time now.


jamesdwi wrote:

bbb3601 wrote:

Since buying our house and cars earlier this year I haven't apped for anything. Haven't even checked my scores since May. Got an auto increase from Barclay's,Lowes, and Walmart this month. Apped for freedom and received on recon for 1k.  Went out with the family to school shop (cash) and the app for our card and get this % off bug completely sucked me in. Old Navy, JCP hard pulls,    some wierd auto approve with Buckle. They swiped me and asked if I wanted card. OMG what have I done. I am freezing my reports, and never school shopping again.


Could be worse you could of been given a Target Redcard with a $200 limit that will never grow,  JCP and OldNavy are Ge Money bank cards and  you can get CLI's every 4 months. 


Very true!!

 

And yes freezing reports will help with gaining unwanted accounts!

 




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
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
0

Re: What have I done. Garden time now.

No biggie.  Sit back, relax, and just let it all grow.

 

Buyers remorse does such, though.

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Regular Contributor
Posts: 248
Registered: ‎09-02-2011
0

Re: What have I done. Garden time now.

Thats funny! don't  walk .. run to the GARDEN!

Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. In the Garden)


AMEX BCE ($19,500) AMEX PRG -(NPSL), BARCLAYS US AIR PREMIER WORLD ($10,000), BOA CASH REWARD -($6,000), CITI HILTON RESERVE SIGGY-(5,000), WALMART DISCOVER ( $5,800), CITI DIAMOND ($4,700), CITI DIVIDED WORLD ($4,500), AMAZON STORE($5,000), NORDSTROM VISA SIG($5,000), PAYPAL STORE ($4,000) Amex Delta Gold ($2000)
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