topic Re: This is what I maintain monthly....:) in Credit Cards

This is what I maintain monthly....:)

pizza1 — Mon, 02 Mar 2015 02:39:48 GMT

This is why I work so hard at my rebuilding, and yes... Some of you know that I'm OCD about this, lol! I pulled my fico reports today to see how bad of a hit I took, and too my surprise so far not too much, but 4 cards haven't reported yet. Anyway... Some are always skeptical when I say I only let 1% report. I believe this has been a big factor in my success at rebuilding so quickly.

Re: This is what I maintain monthly....:)

Anonymous — Mon, 02 Mar 2015 02:39:17 GMT

@pizza1 wrote:
This is why I work so hard at my rebuilding, and yes... Some of you know that I'm OCD about this, lol! I pulled my fico reports today to see how bad of a hit I took, and too my surprise so far not too much, but 4 cards haven't reported yet. Anyway... Some are always skeptical when I say I only let 1% report. I believe this has been a big factor in my success at rebuilding so quickly.

Way OCD.

Yknow, 9% aint so bad.

Neither is 29%. Lol.

Keep up the good work!

Re: This is what I maintain monthly....:)

Anonymous — Mon, 02 Mar 2015 02:41:35 GMT

from what service?

Re: This is what I maintain monthly....:)

pizza1 — Mon, 02 Mar 2015 02:42:10 GMT

LOL Nixon...it will be very crucial for the rest of this year that I maintain this....with all the new accounts...dont want Barclays spooked too bad, LOL...

Re: This is what I maintain monthly....:)

pizza1 — Mon, 02 Mar 2015 02:42:54 GMT

midtown... here at Myfico...I pulled my reports

Re: This is what I maintain monthly....:)

Anonymous — Mon, 02 Mar 2015 02:44:11 GMT

@pizza1 wrote:
LOL Nixon...it will be very crucial for the rest of this year that I maintain this....with all the new accounts...dont want Barclays spooked too bad, LOL...

Didja move your limits already?

Re: This is what I maintain monthly....:)

pizza1 — Mon, 02 Mar 2015 02:54:09 GMT

Didja move your limits already?

Nixon...no not yet, but they have already reported. maybe in a few days Ill call. I got mixed signals on my other post. Some said do it, others said leave it alone since I had so many new accounts.Im confused

Re: This is what I maintain monthly....:)

Anonymous — Mon, 02 Mar 2015 02:58:18 GMT

@pizza1 wrote:
Didja move your limits already?

Nixon...no not yet, but they have already reported. maybe in a few days Ill call. I got mixed signals on my other post. Some said do it, others said leave it alone since I had so many new accounts.Im confused

If I say do it, it's like a papal bull. You just do.

Srs. There's another thread on front page with member who just got two new Barclay's cards and started off by moving CL right off the bat.

Don't stress about it, Laurs.

Re: This is what I maintain monthly....:)

elim — Mon, 02 Mar 2015 03:03:22 GMT

congrats ms pizza!!!

I know it is NOT easy because im in that club too :]

Re: This is what I maintain monthly....:)

pizza1 — Mon, 02 Mar 2015 03:06:16 GMT

Elim....Congrats to you too!!! seeeeeee, Im not the only OCD person here,LOL!

Re: This is what I maintain monthly....:)

creditconcept — Mon, 02 Mar 2015 03:16:15 GMT

Whats really satisfying is letting your util go 99.998% one month, let it report, then PIF.

Your scores go to like 520 then next month go back to 800.

Thennnnn you can put a post on the forums "My score jumpped 237 points today!"

And repeat, very fun haha*

all sarcasm

Re: This is what I maintain monthly....:)

Anonymous — Mon, 02 Mar 2015 03:20:04 GMT

@creditconcept wrote:
Whats really satisfying is letting your util go 99.998% one month, let it report, then PIF.
Your scores go to like 520 then next month go back to 800.
Thennnnn you can put a post on the forums "My score jumpped 237 points today!"
And repeat, very fun haha*

all sarcasm

Wouldn't happen that way. Lol.

Assuming all your cards reported same day. You'd see an approximate 110-140pt drop from ~800 if UTL went from 1% on one card up to 99% on all revolving tradelines. There are some very dependant factors at play there as well such as AAoA, credit mix, etc.

Re: This is what I maintain monthly....:)

creditconcept — Mon, 02 Mar 2015 03:23:31 GMT

lol raining on my parade

Re: This is what I maintain monthly....:)

elim — Mon, 02 Mar 2015 03:27:02 GMT

nevermind, i just pulled CK and i'm out the club this week :[ 2% bahhh

Re: This is what I maintain monthly....:)

pizza1 — Mon, 02 Mar 2015 03:28:45 GMT

don't believe anything CK says...LOL..

Re: This is what I maintain monthly....:)

Anonymous — Mon, 02 Mar 2015 03:29:59 GMT

I'm right there with you!

Re: This is what I maintain monthly....:)

creditconcept — Mon, 02 Mar 2015 03:36:05 GMT

In my personal experience, Credit Karma is usually only wrong on days then end in "Y"....

Re: This is what I maintain monthly....:)

Anonymous — Mon, 02 Mar 2015 03:53:35 GMT

CK offers free monitoring for 2 scores. . Why do people bag on them so much?

Re: This is what I maintain monthly....:)

Anonymous — Mon, 02 Mar 2015 03:56:18 GMT

@Anonymous wrote:
CK offers free monitoring for 2 scores. . Why do people bag on them so much?

Reports, not scores. Their scores are about as accurate as a makarov with a rusted barrel.

Re: This is what I maintain monthly....:)

Anonymous — Mon, 02 Mar 2015 04:28:59 GMT

@Anonymous wrote:
@pizza1 wrote:
This is why I work so hard at my rebuilding, and yes... Some of you know that I'm OCD about this, lol! I pulled my fico reports today to see how bad of a hit I took, and too my surprise so far not too much, but 4 cards haven't reported yet. Anyway... Some are always skeptical when I say I only let 1% report. I believe this has been a big factor in my success at rebuilding so quickly.
Way OCD.

Yknow, 9% aint so bad.
Neither is 29%. Lol.

Keep up the good work!

Just to be what others call PC, one of daughers has real OCD, and it is quite a problem. When I see it used this way, it's a little annoying, like me saying, I have app cancer or something to a friend of a cancer victim. Yes, ciommon usage, but so were a number of bad phrases now frowned upon!