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@Anonymous wrote:Hi Jeffrey. So glad you had a good experience. So just to confirm, the Alliant loan has not yet appeared on your EX, right?
Nope....not yet. EX used to send me alerts first, followed by EQ. This time TU sent me an alert first.
By spending time in this forum, now I am in 750 ranges. And now I am thinking about staying away from the forum, because when I read other approvals and sign up bonuses, I get tempted. Simple human nature I guess.......
@Anonymous wrote:
@Anonymous wrote:Hi Jeffrey. So glad you had a good experience. So just to confirm, the Alliant loan has not yet appeared on your EX, right?
Nope....not yet. EX used to send me alerts first, followed by EQ. This time TU sent me an alert first.
By spending time in this forum, now I am in 750 ranges. And now I am thinking about staying away from the forum, because when I read other approvals and sign up bonuses, I get tempted. Simple human nature I guess.......
Wow, Jeffrey, I wish all of us were as smart and as self-aware as you are. There is an old epigram from Thomas Cranmer, one of the great English Reformers:
What the heart desires, the will chooses, and the mind justifies
He brilliantly saw that we are not nearly as free and rational as we think we are. Rather, we are driven by huge emtional needs, which our supposed power of free will becomes captive to, and the choices of which the mind follows at the end with some justification.
You are seeing that, for you, the emotional appeal of certain things (Awesome deal! Get these three cards now! Only takes 10k more in spending!) may captivate your will in the moment, with your head coming up with some reason later on.
Keep monitoring that internally. You may find that a good solution (for you) is to stay out of certain of our rooms, e.g. the Credit Card forum, while occasionally checking in to rooms like this to keep up with learning more how scoring works.
PS. As far as EX goes, we have some folks who are monitoring EX each day this week to see when Alliant will appear. A full calendar week or even 1-2 business days after that is not uncomon as a delay for any account from any creditor to appear with any CRA. But if the Alliant loan has not appeared by Thursday, that may end up meaning that it will take an additional month. That can sometimes happen with Alliant and EX, and we still don't know for sure why.
The only change to all 3B has been the addition of a SSL. This one from NFCU.
Got the loan and once it had been made available to the account, I paid it down to 8% immediately and haven't touched since.
@Jwagner wrote:
The only change to all 3B has been the addition of a SSL. This one from NFCU.
Got the loan and once it had been made available to the account, I paid it down to 8% immediately and haven't touched since.
Awesome! May I inquire if it bumped, dropped or remained unchanged on your Mortgage Scores?
DollyLlama - just checked, my score shows no change in mortgage score or FICO9 since 9/19. I'm sure that will change here in about a week with a new quarterly report
I never thought to even look at the mortgage score until you asked, haven't been in the market for a mortgage and never crosses my mind (I own everything I have, so I dont have a car note, mortgage, student loans...). - which is what also drives my score down, no installment loan in over a decade until this SSL.
it updates, i'll be sure to follow up though
I am immensely interested in the effect that the SSL had on your three mortgage scores, and also your three FICO 9 scores. This would be really valuable information for our community to have.
So pleased that we will be hearing the answer to this by Christmas!
Congrats OP. TU is way behind posting mine. Removed my post. Felt like I hijacked your thread. Sorry