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Hi my name is Jim and I believe I am addicted to applying for credit and need some help before I destroy myself. Bankruptcy discharged 7/19/13 Now I have like over 20 pulls on credit reports...2 car loans and like 14 lines of credit.
@Anonymous wrote:Hi my name is Jim and I believe I am addicted to applying for credit and need some help before I destroy myself. Bankruptcy discharged 7/19/13 Now I have like over 20 pulls on credit reports...2 car loans and like 14 lines of credit.
Jim, I don't know what to say. You realize you have the problem so there is probably little that you don't already know. Pull out your excel sheet and list all your bills, due dates and payments. Make sure that you never purchase anything that can't be paid off in one month (except car & house). Don't apply for any credit unless it's a necessity. (If you have 14 lines of credit, there is little that's a necessity. Join the garden and set a date before a minimum date before you'll leave (i.e. 2 years, 5 years).
If all else fails, go to counceling like Alcoholics Anonymous (I'm sure there available for other addictions).
I do need to research a bit more about gardening... I just probaly made my smarest move I believe and joined altra credit union and worked with them to get one of there excellent credit cards.. 8.99% for life on BT as well as 10.99 on purchases my best card yet so I am very happy about that at least. I do not know my limit yet but they know what I want to transfer over to it. Took alot of calling and speaking to alot of people to get approved just do not know for how much yet.
I wish I was tier 1................
NOW Visa Non-Rewards Tier 1 8.9% /8.9%
Visa Non-Rewards Tier 2 10.9% /8.9%
Visa Non-Rewards Tier 3 12.9%/ 8.9%
Visa Non-Rewards Secure 12.9%
8.9%
GO
Visa Rewards Tier 1 11.9% / 6.9% Visa Rewards Tier 2 13.9% /8.9% Visa Rewards Tier 3 15.9% /10.9% Visa Rewards Secure 15.9% /10.9%
STUDENT Visa Student Rewards 13.9% 8.9% Visa Student Reward Secure 13.9%
8.9% SIGNATURE
Visa Signature Rewards 12.9% 12.9%
@Anonymous wrote:Hi my name is Jim and I believe I am addicted to applying for credit and need some help before I destroy myself. Bankruptcy discharged 7/19/13 Now I have like over 20 pulls on credit reports...2 car loans and like 14 lines of credit.
Hello and welcome to myFICO.
You asked for advice and mine is to stop applying for credit. No one can force you to do so. It's all up to you.
Let all of it age for a good long while.