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    <title>topic Re: What is ERT? in Credit Cards</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2370485#M669728</link>
    <description>We are here if you need us!</description>
    <pubDate>Wed, 14 Aug 2013 17:16:20 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2013-08-14T17:16:20Z</dc:date>
    <item>
      <title>What is ERT?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2370341#M669685</link>
      <description>&lt;P&gt;So as not to hijack anyone's thread I'm going to ask that question in it's own thread.&amp;nbsp; I have seen ERT in quite a few discussions and was curious as to what it meant.&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Wed, 14 Aug 2013 16:04:24 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2370341#M669685</guid>
      <dc:creator>wreith</dc:creator>
      <dc:date>2013-08-14T16:04:24Z</dc:date>
    </item>
    <item>
      <title>Re: What is ERT?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2370355#M669687</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;ERT= Emergency Response Team&lt;BR /&gt;&lt;BR /&gt;For those who are supposed to be gardening and have expressed a need to be reminded of their goal; ERTs are dispatched to remind them. &lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Wed, 14 Aug 2013 16:11:26 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2370355#M669687</guid>
      <dc:creator>jake619</dc:creator>
      <dc:date>2013-08-14T16:11:26Z</dc:date>
    </item>
    <item>
      <title>Re: What is ERT?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2370357#M669688</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/592142"&gt;@wreith&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;So as not to hijack anyone's thread I'm going to ask that question in it's own thread.&amp;nbsp; I have seen ERT in quite a few discussions and was curious as to what it meant.&amp;nbsp;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;AFAIK, it's just one of the garden term. It means Emergency Response Team (myjourney and Lexie primarily lol) I think. &lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;&lt;/P&gt;</description>
      <pubDate>Wed, 14 Aug 2013 16:11:36 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2370357#M669688</guid>
      <dc:creator>CarbonCard</dc:creator>
      <dc:date>2013-08-14T16:11:36Z</dc:date>
    </item>
    <item>
      <title>Re: What is ERT?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2370367#M669690</link>
      <description>&lt;P&gt;Thanks that makes sense to me now lol.&amp;nbsp; I have never been in the garden long enough to need the response team as I always seem to find something I need that requires a HP &lt;img id="smileyembarrassed" class="emoticon emoticon-smileyembarrassed" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-embarrassed.gif" alt="Smiley Embarassed" title="Smiley Embarassed" /&gt;.&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Wed, 14 Aug 2013 16:16:06 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2370367#M669690</guid>
      <dc:creator>wreith</dc:creator>
      <dc:date>2013-08-14T16:16:06Z</dc:date>
    </item>
    <item>
      <title>Re: What is ERT?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2370485#M669728</link>
      <description>We are here if you need us!</description>
      <pubDate>Wed, 14 Aug 2013 17:16:20 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2370485#M669728</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2013-08-14T17:16:20Z</dc:date>
    </item>
    <item>
      <title>Re: What is ERT?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2370491#M669730</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;We are watching&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;fixed&lt;/P&gt;</description>
      <pubDate>Wed, 14 Aug 2013 17:17:52 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2370491#M669730</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2013-08-14T17:17:52Z</dc:date>
    </item>
    <item>
      <title>Re: What is ERT?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2370511#M669737</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;We are watching&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;fixed&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;^^^^^^^^^^^^^^^^^ Ha ha ha&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;We help make goals come true along with better cards and higher limits&lt;/P&gt;</description>
      <pubDate>Wed, 14 Aug 2013 17:28:41 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2370511#M669737</guid>
      <dc:creator>myjourney</dc:creator>
      <dc:date>2013-08-14T17:28:41Z</dc:date>
    </item>
    <item>
      <title>Re: What is ERT?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2371421#M670000</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous wrote:&lt;BR /&gt;We are watching&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;fixed&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;&lt;img id="smileylol" class="emoticon emoticon-smileylol" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-lol.gif" alt="Smiley LOL" title="Smiley LOL" /&gt;&amp;nbsp; They are always watching.&lt;/P&gt;</description>
      <pubDate>Wed, 14 Aug 2013 22:14:17 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2371421#M670000</guid>
      <dc:creator>wreith</dc:creator>
      <dc:date>2013-08-14T22:14:17Z</dc:date>
    </item>
    <item>
      <title>Re: What is ERT?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2371431#M670002</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;P&gt;^^^^^^^^^^^^^^^^^ Ha ha ha&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;We help make goals come true along with better cards and higher limits&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Well I am planning on not apping for anything until at least Jan, then I'll try for a Slate card for a BT.&amp;nbsp; My scores should be higher and I should get a nice high limit card from the chase for the BT.&amp;nbsp; I currently have around $2.5K on a 0% apr with Discover but I want to move it from there in Jan and bring that card back down to 0% util.&amp;nbsp; I should be down to just that one card floating a balance and possibly buying a new car.&lt;/P&gt;</description>
      <pubDate>Wed, 14 Aug 2013 22:17:18 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2371431#M670002</guid>
      <dc:creator>wreith</dc:creator>
      <dc:date>2013-08-14T22:17:18Z</dc:date>
    </item>
    <item>
      <title>Re: What is ERT?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2371433#M670003</link>
      <description>Yep!</description>
      <pubDate>Wed, 14 Aug 2013 22:18:01 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2371433#M670003</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2013-08-14T22:18:01Z</dc:date>
    </item>
    <item>
      <title>Re: What is ERT?</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2371449#M670009</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/592142"&gt;@wreith&lt;/a&gt; wrote:&lt;BR /&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;P&gt;^^^^^^^^^^^^^^^^^ Ha ha ha&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;We help make goals come true along with better cards and higher limits&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Well I am planning on not apping for anything until at least Jan, then I'll try for a Slate card for a BT.&amp;nbsp; My scores should be higher and I should get a nice high limit card from the chase for the BT.&amp;nbsp; I currently have around $2.5K on a 0% apr with Discover but I want to move it from there in Jan and bring that card back down to 0% util.&amp;nbsp; I should be down to just that one card floating a balance and possibly buying a new car.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;We sure are&lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;&lt;/P&gt;&lt;P&gt;And if you would like help getting to your goals then just check into the garden for help. We will be more than happy to asist you&lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;</description>
      <pubDate>Wed, 14 Aug 2013 22:22:10 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/What-is-ERT/m-p/2371449#M670009</guid>
      <dc:creator>myjourney</dc:creator>
      <dc:date>2013-08-14T22:22:10Z</dc:date>
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