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why is it so hard for some to STAY In the Garden??

Valued Contributor

Re: why is it so hard for some to STAY In the Garden??

Besides the fact that I wouldn't get approved for anything worthwhile, for me and other rebuilders, we're always working on something.  So I constantly have ONE MORE THING i need to wait for to update on my report before I can apply.  I have collections getting deleted for instance.  Or Duncan and his AMEX soft pulls.

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Message 21 of 34
Valued Contributor

Re: why is it so hard for some to STAY In the Garden??

@Jutz. I agree. Case in pt., here is a link to my very first thread. I did my homework and read some on forum and then posted this thread.

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Starting-Journey-From-the-bottom-help-request...

I'm celebrating 6 months on this forum and my rebuild.


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
Message 22 of 34
Valued Contributor

Re: why is it so hard for some to STAY In the Garden??

It will be one year tomorrow since I was approved for my BCE.  Before that,  my last app was in 2009.  For me, I don't have a problem with no applying for more credit..  I guess 70 yrs of life teaches you some patience.  I have had my eye on the Harley Davidson Siggy card for the past 3 yrs but have not gone for it yet.  If I keep waiting, I will be too old to ride anymore.

FICO 08
TU 839 11/11/17
EX 833 11/11/17
EQ 837 11/12/17
(NASA 30K) ( Amex 38.6k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 5/15
Message 23 of 34
Frequent Contributor

Re: why is it so hard for some to STAY In the Garden??

This forum has a ton to do with it. Smiley Tongue

Message 24 of 34
Mega Contributor

Re: why is it so hard for some to STAY In the Garden??

IMO it's been alot easier staying away from credit card apps while i'm taking a break from the forums evet now and then. My job helps me stay away as well Smiley Very Happy




EQ FICO 548 3/3/16
Message 25 of 34
Valued Contributor

Re: why is it so hard for some to STAY In the Garden??


LS2982 wrote:

IMO it's been alot easier staying away from credit card apps while i'm taking a break from the forums evet now and then. My job helps me stay away as well Smiley Very Happy


my job doesnt! 

i work in a bank so i see cc all day. 

 

ive limted to leaving all my cards at home/car except a few.

 

bank card/chase freedom/ zync. 

everything else is sock drawerd. 

 

people around me still say, your credit is good enough to get an amex and i smile a little inside. 

 

 

as for apps. its all about self control. as you can see how many posts i have in the 5 months ive been here ive been pretty active and have apped because of it in the beginning, 

but ive also got ahold of myslef except for this last card. 

i made it for 3 months but then again im sure lots of you wouldnt have turned down a inq free card. 

 

im in the garden now for the long haul. 

i wont be needing a car anytime soon, or a house, or any cards for that matter. 

apping will be out of the question, but chances are ill be asking for a cli in the future. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 26 of 34
Valued Contributor

Re: why is it so hard for some to STAY In the Garden??


distantarray wrote:

it's just fun for some people, for instance people who already bought a house, cars and no big shopping left for a few years, they can app for anything and everything and not worry about their credit loss. If you have the ability ot hit 800+ you can app for anything you want you won't drop below 760. There's reward chaser couples who can take 20k+ per person each year in reward bonuses (it's been done, with loop holes) but realistically $5,000 in rewards a year is not too unheard of if that's all your doing is chasing points. so just a game for some people.

 

  exhibit A from 1 year of cards


Smiley Surprised awesome!

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 27 of 34
Valued Contributor

Re: why is it so hard for some to STAY In the Garden??


armbenderc wrote:

distantarray wrote:

it's just fun for some people, for instance people who already bought a house, cars and no big shopping left for a few years, they can app for anything and everything and not worry about their credit loss. If you have the ability ot hit 800+ you can app for anything you want you won't drop below 760. There's reward chaser couples who can take 20k+ per person each year in reward bonuses (it's been done, with loop holes) but realistically $5,000 in rewards a year is not too unheard of if that's all your doing is chasing points. so just a game for some people.

 

  exhibit A from 1 year of cards


Smiley Surprised awesome!


this stack is between a husband and a wife fyi. 

and those are all cards in their collection not just the ones they use. 

 

wonder if any of those got closed due to inactivity lol. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 28 of 34
Regular Contributor

Re: why is it so hard for some to STAY In the Garden??

It's hard because people need to stop bragging about their instant approvals!! Lol jk .. Kinda Smiley Wink
TU 746 (10/13)
GOAL: 750+






Message 29 of 34
Valued Contributor

Re: why is it so hard for some to STAY In the Garden??

I brag about my recons Smiley Wink that's where you really show your skills


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
Message 30 of 34