The app itch is frustrating but I've stayed the course so far since December.
Received an auto CLI on my highest line, UIECU UIAA Rewards Visa (+$2200) and also received a requested one on my Barclaycard Rewards MC (+$3000).
Current lines are:
UIECU UIAA Rewards Visa $24.2K
PSECU PSL/Combo Visa $20K
Alliant CU Platinum Rewards Visa $15K
Barclaycard Rewards Platinum MC $10K
Nordstrom Visa Signature $8K
State Farm Platinum Rewards Visa $3K
Dell Preferred $3K
Macy's $2.5K
snowangel wrote:
webhopper wrote:Well guys, I got my judgement deleted from TU, Now i'm waiting on EX!!!
I'm sure that's a great sigh of relief. Congrats!!
Yes it is; I found out that my judgement had been dismissed by the judge and thanks to the rebuilding forum I.was able to send off what I needed to get it removed! I guess getting baddies removed is part of gardening 
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
webhopper wrote:Well guys, I got my judgement deleted from TU, Now i'm waiting on EX!!!
WOO, HOO!!!!! 
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 748, TU 741 (06/01/2013), EX 743 (06/13/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Silver Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 5.7k, Kay Jeweler's 5.1k
Guys, should I tiptoe out of the garden to do an FHA Streamline Refinance on my duplex? My quote has me going from a rate of 6.125% down to 4.25%... I think its worth it to let them pull credit... FHA does'nt require it, but the lender has different requirements
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
ctb89 wrote:
webhopper wrote:Guys, should I tiptoe out of the garden to do an FHA Streamline Refinance on my duplex? My quote has me going from a rate of 6.125% down to 4.25%... I think its worth it to let them pull credit... FHA does'nt require it, but the lender has different requirements
Yes, I would. This is a very legitimate reason to stop gardening. In fact, it could potentially increase your score by lowering your monthly obligations. It's worth the INQ.
+1
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 748, TU 741 (06/01/2013), EX 743 (06/13/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Silver Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 5.7k, Kay Jeweler's 5.1k
ctb89 wrote:
webhopper wrote:Guys, should I tiptoe out of the garden to do an FHA Streamline Refinance on my duplex? My quote has me going from a rate of 6.125% down to 4.25%... I think its worth it to let them pull credit... FHA does'nt require it, but the lender has different requirements
Yes, I would. This is a very legitimate reason to stop gardening. In fact, it could potentially increase your score by lowering your monthly obligations. It's worth the INQ.
Thanks I'm going to follow through with it... I currently have a dispute outstanding with EX due to that judgment that was dismissed... so I indicated to the loan lady that I'd let her pull my scores as soon as that is done.
My payment on that house will be going from 1566.71 down to 1307.29 (estimate). I currently collect over 2k in rent from this house, as both sides have undergone a good bit of updating since I bought the place in 2008. I'm able to charge more now because of the cash that I've invested. A refi will be good for my cash flow I think. I've also worked out a deal with my mom and dad. They have a lot of retirement money earning 3%. I've offered him a deal where he is considering loaning me some cash at 4.0% as a private loan where I pay back installments for the next 48 months. That will knock out my student loan payment of $189 that I've been carrying around since 1999 :/
FYI, I know its never good to mix family and money, but I've borrowed up to 8k from my folks on several occasions in the past and have had no issues repaying the money. I may post a separate topic on this in the "Relationships and Money" forum.
I hate how student loans just sort of sit there and never go away! With the money I'll be saving from the house refi, I'll be able to pay more on the student loan and get it gone before my own kid starts college.
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
