Had to come to a realizatio
11-08-2012 04:33 PM
I'm spending way too much money for what I bring in. I actually feel humbled. I remember some oddball poster saying negative things about me here and what was said was not far off from the truth.
I have to settle down and spend what I can afford. My CC debt got up to over 10k.
I have to thank my lucky stars for PSECU, they have never let me down. I was able to get a personal loan to clear half of my CC debt and thankfully the rest is on a 0% card I can make big payments on monthly.
I have this forum to thank, because I realized I grew my credit garden way too fast and got irresponsible with it. This is a lesson learned.
Thank you everyone!
(And yes, I had to take a HP on EX but this is something that had to happen to get things straight. My butt will be parked in the garden for 2 years, all of my credit aspirations have been reached and they need to age!)
Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014