Happy Dance!!!!!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
THANK YOU ALL SO MUCH!!! I think the "congrats" on here makes me happier than anything. Kinda gives me a "I did my FICO friends proud" type thing 
Now that my seedlings have been planted, and the hits taken for the 3 newbies, ANYTHING else would be more harmful than good. In all honesty, had I bothered to READ about how Barclay's reacts to this, I would've made sure they were the LAST app not the first. Then again, the "fee-me-to-death-for-reporting" card is closed which basically is a "wash" CL wise. Seeing what others have posted as well, I do believe this to be a bit of overstating/worry. i see it this way: if Barclay DOES some AA in the next few months, all I would have to tell them was with THEIR Account & CL, I was able to close 2 sub-primes to offset the addtional credit that was extended by them. As for Amazon Rewards, I did that for the 0% for 12 months. If that doesn't show responsibility to Barclay, then do what you gotta do! If anything, I've bettered my positions and bettered myself as a whole - and that is the ultimate goal for all of us. Due to their points/rewards, I'll be using it for the electric/gas bills to rack up points then PIF every statement. If anyone will have a balance reporting and PIF'ing every month it's going to be them & my util, right now including the 12-month 0% purchase is 8%. .
Cap One's QuickSilver Rewards is a backup - so while Barclay may see 3 new accounts (theirs included), they're ALSO going to see the 2 sub-primes gone as well. Either way there's a REASONABLE explanation & if they AA me, there's my approach to fix it. If it doesn't work, such is life. There's nothing to do about it now - the INQ's are there & they're all reporting (apparently they all showed up yesterday as I had alerts dang near all day!!). Will use Cap One now and then just to make FICO (and Cap One) happy but other than the above plan, I can't go wrong with paying things this way & PIF'ing Barclay each month as well. They'll see large balances PIF'd each month and me using theirs - should be a win/win.
TIME is your best friend and he and I are REALLY tight friends LOLOL. Like I said, these new seedlings need to grow - and now I have accounts that WILL grow with me. All I have to do now is wait for my welcome back to the 800's club!!!!!!
Nonetheless, VERY grateful to all of you again - and nothing but the BEST for all of ya! Have a great weekend
Take care & feel free to chat up some more if you have any further suggestions, comments, or questions.
