topic Re: Itchy trigger finger? in Credit Cards

Itchy trigger finger?

Anonymous — Mon, 16 Jul 2012 04:41:57 GMT

How do you calm this in the rebuilding process when you see a score increase like 2x a month? What score did you get to where it subsided?

Re: Itchy trigger finger?

Anonymous — Mon, 16 Jul 2012 05:36:26 GMT

You could actually go to the shooting range!

Re: Itchy trigger finger?

Anonymous — Mon, 16 Jul 2012 05:42:04 GMT

ive noticed from reading this forum that when your scores are low but you change your habits and trying to rebuild your scores will increase more often unlike scores in the upper 600s up to the 800s. its like when your really heavy and start exercising and you lose weight faster then somebody of normal weight. but when the heavy person stops and starts eatng like they used to they gain weight alot faster or in your case start making decisions that will negatively effect your fico then the damage will be more then if you had higher scores. idk if anybody is gonna understand what i said but, just know you dont want to lower your fico score anymore because you want to reach your goal. that should cure the itch to app.

Re: Itchy trigger finger?

Anonymous — Mon, 16 Jul 2012 05:43:56 GMT

also your not alone i really want to app for the amex zync or discover more. but im in the garden so i just read approval stories on here hahah.

Re: Itchy trigger finger?

Anonymous — Mon, 16 Jul 2012 08:00:54 GMT

@Anonymous wrote:
ive noticed from reading this forum that when your scores are low but you change your habits and trying to rebuild your scores will increase more often unlike scores in the upper 600s up to the 800s. its like when your really heavy and start exercising and you lose weight faster then somebody of normal weight. but when the heavy person stops and starts eatng like they used to they gain weight alot faster or in your case start making decisions that will negatively effect your fico then the damage will be more then if you had higher scores. idk if anybody is gonna understand what i said but, just know you dont want to lower your fico score anymore because you want to reach your goal. that should cure the itch to app.

Haha this is a great analogy and yes it's harder to get a better score when your on top and even harder to keep it!!

Re: Itchy trigger finger?

LS2982 — Mon, 16 Jul 2012 10:19:28 GMT

@Anonymous wrote:
How do you calm this in the rebuilding process when you see a score increase like 2x a month? What score did you get to where it subsided?

about 700 for EX/TU, stuck at 659 with EQ.

Re: Itchy trigger finger?

Anonymous — Mon, 16 Jul 2012 10:56:43 GMT

Choose your long term credit goal over instant gratification.

Some float an app every time their score inches up or keep going until someone says yes just to feel the rush of approval, LOL!

Re: Itchy trigger finger?

Anonymous — Mon, 16 Jul 2012 22:38:26 GMT

It is hard to break the instant gratification habit but it gets easier every day

Re: Itchy trigger finger?

SwiftTone — Mon, 16 Jul 2012 22:41:50 GMT

Went to the shooting range yesterday. Shot a H&K MP5 in full auto a few times. Felt friggin good! You should try it!

Re: Itchy trigger finger?

Anonymous — Mon, 16 Jul 2012 22:47:48 GMT

Haven't been to the range in like a year lol

Re: Itchy trigger finger?

Anonymous — Tue, 17 Jul 2012 00:47:12 GMT

@Anonymous wrote:
Choose your long term credit goal over instant gratification.

Some float an app every time their score inches up or keep going until someone says yes just to feel the rush of approval, LOL!

Sit down and think long and hard about what you're trying to accomplish with your credit and what needs to be fixed.

What do you want to accomplish? What type of cards are you looking for? Rewards... what type? Low interest? Higher CLs?

What needs to be addressed before you have a chance of qualifying for the cards you want? Just starting out and building from a thin file? High util bringing scores down? Damaged credit and baddies need to drop off? Too many inqs?

Once you've decided on what it is that you're trying to accomplish, you can see what issues need to be addressed before apping for anything further. Then you address the issues and wait for time to do the rest. You also keep in mind that any premature apping will only set you back from accomplishing your goals, as you'll be adding inqs and, if approved for a card that you don't really need or want just to satisfy that urge for approval, you'll be dropping your AAoA.

In short, stay focused on your goals and what you need to accomplish them. Sometimes, it's just a matter of time, and there' s simply no substitute for it.