Re: Garden Club Meeting - January 2013
01-01-2013 02:05 AM
Happy New Year!!!
Still sitting in the garden watching over my seedlings, but an auto refi is beckoning to me beyond the gate (NFCU $250 cash back offer). 2012 was VERY good to me credit-wise with the countless lessons learned from MyFICO smarties, lots of hard work on my part, and doses of pixie dust and prayers. I went from a credit score in the mid-500s in January to a peak score of 721 and:
Built a new home, closed: 10/25
Amazon Visa: $6,500
Cap 1: $750
Cap 1, Sparks: $750
Woman Within: $600
Target: (still at $200, 10 years later...)
My score has dropped with UTIL and I'm STILL waiting on that 0%BT from NFCU (from my keyboard to God's ears) to help out some with that. Also still waiting to see if I have to sue my former landlady to get my deposit back that needs to go toward a CC. Mortgage hasn't reported yet, so hoping for a boost with that one. Once my score climbs back a bit, I may answer the siren call of the auto refi. Until then, I will sit firmly planted in the garden, enjoying the view.
BTW, who knew rewards cards were SO AWESOME??? I had no idea what I was missing out on with sucky credit scores! I get money back for paying my bills, how sweet is that?
Current Score: EQ 664 TU 700 EX 701 (FAKO)