topic Re: Holding my breath,all! Advise, please. in General Credit Topics

Holding my breath,all! Advise, please.

MercyMe — Thu, 12 Jul 2007 11:44:08 GMT

Again, what would I do without you all? Anyway ... as of today my Ficos are: TU: 704!!!!!!!!!!!!!!!!!!!!!!!! Can you believe it?

EQ: 677

EX: 673 ................

But this is without Wamu reporting -- balance $485/1500 limit and the Amex Blue Cash 0/5000, new, and the Hilton Honors ??? just approved. The EQ and EX haven't updated my BOA, as yet, which is down to $540/2500 limit. So what kind of drop can I expect for the new Amex cards and Wamu, when they report? One good thing, my length of history is now very good, rather than bad. How did that happen? Might it be possible for me to get a vehicle this month, and use the HH to travel with the kids and earn points? And yes, Tuscani, I was daring and applied for the HH, too, and got word this morning I'd been approved, but it didn't say what my limit is. So you know I thank you.

And too -- I've a bit to say to some of you have posted, recently. I'm just working my behind off, trying to acrue some real money in the bank. A couple of thousand anyway, to better prepare me for what I've got coming. Hang in there! I will talk at you later, and think of you often, throughout the day.

Just me.

Re: Holding my breath,all! Advise, please.

Anonymous — Thu, 12 Jul 2007 12:06:52 GMT

Mercy,

Great work! You have done so well and are quite an inspiration. When I applied and was approved for 2 new cards, I didn't see a drop at all. If there was one, I didn't notice it, so it must have been small. Keep plugging. You're going to be in the 800 club soon [I, on the other hand, am still struggling to stay in the 600 club ] Congratulations!!!!!!!!

Re: Holding my breath,all! Advise, please.

Anonymous — Thu, 12 Jul 2007 12:59:13 GMT

MercyMe,

Congrats on your scores!!!

Re: Holding my breath,all! Advise, please.

Anonymous — Thu, 12 Jul 2007 13:38:01 GMT

Hey Dazed..

I applied for the Sky Miles Card and had an 8 point EX drop within hours of the approval. Its pretty frustrating that it takes days, weeks and months to get your score up, but only hours for it to go down....

Re: Holding my breath,all! Advise, please.

Anonymous — Thu, 12 Jul 2007 14:16:26 GMT

I applied for 4 new cards--Amex delta, CITI aadvantage, Exxonmobile Gas, and Kohl's card all in about a week of each other--I got 3 out of 4. So far my score has gone up because of other things--I have not noticed a real decrease. Only one account is reporting so far though.

The only thing I have seen a slight decrease on so far is new inquiries...can't wait for these to disappear...

Re: Holding my breath,all! Advise, please.

Anonymous — Thu, 12 Jul 2007 14:23:55 GMT

Mercy - A "couple of thousand" in the bank -- that's even more impressive than the FICO scores. Good work!!!!!!!!

Re: Holding my breath,all! Advise, please.

Tuscani — Thu, 12 Jul 2007 15:12:57 GMT

Super!

Re: Holding my breath,all! Advise, please.

Anonymous — Thu, 12 Jul 2007 18:47:35 GMT

Just curious Rifleman - did you get the Kohl's - I've often thought maybe I should open one of them, haven't had a department store in over 10 years!

Re: Holding my breath,all! Advise, please.

MercyMe — Thu, 12 Jul 2007 23:24:39 GMT

What's the scout motto? "Be prepared."

Re: Holding my breath,all! Advise, please.

Anonymous — Fri, 13 Jul 2007 00:22:53 GMT

Excellent news!

Congrats!

Re: Holding my breath,all! Advise, please.

Anonymous — Fri, 13 Jul 2007 00:26:21 GMT

Congratulations Mercy!

I can't wait til I get in the 700 club.

Re: Holding my breath,all! Advise, please.

Anonymous — Fri, 13 Jul 2007 00:26:48 GMT

Congratulations on your scores. They are fantastic. Keep up the good work.

Re: Holding my breath,all! Advise, please.

Anonymous — Fri, 13 Jul 2007 02:55:53 GMT

Mercyme......i am so proud of you girl! You so deserve it. Keep up the awesome work!