Credit Cards Center Credit cards from our partners
Posts: 27,207
Registered: ‎09-13-2012

Re: Hello Old Friends

I'm fairly new here but I have learned a lot. Hats off to you, ByrdMan and the other 'ol timers' on this thread!

Welcome back! 😊
Senior Contributor
Posts: 3,741
Registered: ‎01-10-2008

Re: Hello Old Friends

3 cheers to the old timers! Great to see some are still in the house from time to time! Have missed seeing ya'll post in recent years. Be well and prosper.

EQ (DCU, Citi, PenFed)
EX (Amex, Chase, PSECU)
TU (Barclays, Discover, Walmart)
Established Contributor
Posts: 542
Registered: ‎03-13-2008

Re: Hello Old Friends

[ Edited ]

I have come and gone on this forum for 6 years... It is one of my oldest forums. I take long sabbiticals, and then I come back, but as you can tell by my join date and number of posts I prefer to lurk. Smiley Happy So many old faces! 

In the garden until December 4, 2015
Established Contributor
Posts: 999
Registered: ‎04-01-2008

Re: Hello Old Friends

Oh, wow! How nice to see posts from THIS group! I too, have mostly been a lurker. When I first stumbled on the forums I was pretty overwhelmed and clueless. While still nowhere near an expert, I've learned so much from all of you! I would read for hours in just about every free moment. After awhile, I was able to determine who had the most experience and wisdom.  And this was the group!  Nice to see you all back!

1/28/14 EQ 811 9/11/15, EX 821, TU 817 on 6/13/2014

Take the myFICO Fitness Challenge
Super Contributor
Posts: 8,198
Registered: ‎03-25-2007

Re: Hello Old Friends

Where is de avatar?  Smiley Very Happy


And welcome back from an oldtimer who is a month shy of his 7th birthday on this board  Smiley Happy

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Senior Contributor
Posts: 4,301
Registered: ‎05-01-2008

Re: Hello Old Friends

Much like Barbaralee....this is one of my oldest forums as well.  So many great people & so much great information.  Like the wayward child...I always come back home!!

Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 07/2015 TU 730 - EQ 699 - EX 724
Goal Score: 850

Bury me in the garden...last app 08.09.15

Posts: 8,978
Registered: ‎01-15-2009

Re: Hello Old Friends

I've been registered here a while.. more of a lurker and have become more active lately. It's so nice to see older registered posters coming back, I do hope that it's for a longer period of time than just a thread. Smiley Wink I've learned a great deal from this forum and I hope that it will be part of my life moving forward as well.
Moderator Emeritus
Posts: 16,385
Registered: ‎03-12-2007

Re: Hello Old Friends

I guess I missed the party.Smiley Indifferent

Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Senior Contributor
Posts: 4,654
Registered: ‎06-21-2012

Re: Hello Old Friends


JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +13more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 9/12/14*
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 as of 12-12-13)
Regular Contributor
Posts: 141
Registered: ‎04-05-2014

Re: Hello Old Friends

I'm a "newbie" to myfico forums, but I cannot believe the info and tips I've picked up already from my reading.  Great teaching on these boards.  Planning on spending as much time as I can. Thank all of you "in advance".Smiley Happy

Starting Score Feb. 2013: 568
Current Scores: TU (708) {Barclays} EQ {Myfico} (718) {FNBO} EX (711)
Goal Scores: All at 750 by 3rd Qtr 2015 (Before tackling 800's) Don't procrastinate, take the first step!

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.