@AverageJoesCredit wrote:
Done Jago. You know its time to turn in the credit keys when a 740 cant get you more than $300 from Synchrony, or a 759 cant bump up a $500 credit card. Heck , my Eq is 769 right now, actually had a 801 Fico 9 at one point , 2 year on time payment history with Penfed on my PL and i couldnt even qualify for a new personal loan with them.
I definetely know i need to step back from the game . I cant see the point of having good credit scores if they mean nothing when it comes to credit decisions. As in life money talks bs walks but one day ill find my zen.
Just yestersay i was writing down all my aprs from different lenders and its shocking how high these cards can be so i see inherent danger carrying debt with cards that have high apr. Luckily my current debt rides on 0% apr for now .
Yeah, that is my goal as well, have all the card paid off before my 0% apr runs out, I still have about 11 months at this point, but i dont want to be on the wrong side of that debt either. PF did just lower my CR to 11.49% so that is nice, but still more than i want to pay.
My F9's arent that high, i'm around 710. The only reason i got on my denial letter was too many inq's and new accts.. I have to stop
@credit_endurance wrote:Well said AJC. It’s puts it all into prospective. I myself have wasted 5 hp’s on them this year alone either going after increases or the elusive 3rd Card. Neither of which in all honestly I need at this point. And totally agree this site can be addictive at times to the point to where we can become blind to our “own” personal credit awareness as “we” know what’s the very best for “us” in maintaining our credit health. All the best to you my friend as I am on credit lockdown myself with a 2020 mandate of no apps or hp’s to be had. This will all be an afterthought to us in a little while.😉
Thank you Bruised
Indeed, no one knows the future, i can only hope im still around in 2020 and see some if my Fico Fam coming out with low hp counts and we can lead the new classes to see it is possible with restraint.
Awe sorry notsoAverageJoe..
You seem to be taking it in good spirits.. I've seen others have a melt down over less so good on ya!
I'm behind you.. I got your back.. I'll be in app purgatory with you, on one condition....
That you're still around here.. You aren't planning on bugging out of the forum right? RIGHT?
This place would not be the same without ya friend..
Thanks for sharing your data points, @AverageJoesCredit... I know from first-hand experience that it's not nearly as much fun to share the defeats as it is to share the victories, but IMHO often the defeats can be more useful to others.
We don't hear about it too often, but this is a great reminder that while NFCU usually pulls TU/EQ, that they can pull EX if the others are unavailable.
Hang in there, my friend... you've made fantastic progress and I'm sure when the time is right the more 'stubborn' lenders will reward your hard work! 
Thanks for sharing AJC. When I came here in 2015. I got the fever to get my scores up and get all kinds of cards and high limits and so on. I didnt even know about FICO scores. Then reality sets in. Wait dummy. There's no need to have so much. Get what you need so anything and everything you purchase has a cash back of some sort or some other perk and work off that. There's no way in that hot place I could afford to max out my cards and pay them. Like you in a way. Driving down the credit road here comes that STOP sign. Ok I got it now. I'm done and have to live with what I got. I'm content on the rebuild and this is the way it has to be from here. And let time grow the scores. My little badges below are placed there to help others see it can be done. Not to brag. I'll be 69 when my BK falls off and living off of my pension, SS and 401k plan. I dont care what my scores will be now or then. Retirement is soon after 35 years in F/R and I will enjoy life and not have to get waken up from sleep every 3 night of my life for a 911 call. Sit back and enjoy what you have and go with the flow my man.
@Anonymous wrote:
I started living responsible this year. I used to think of credit cards as free money and think I’ll pay them back later. Years ago I got a personal loan to pay for the CC’s. Three months later they were maxed again. It’s hard not to think of the mistakes I made and how I could’ve done better but there’s nothing I could do about it so I use it as a lesson. I’m 36 so I’m still young-ish but the lessons I learned will last a lifetime.
These forums are great as it allows me and others to talk about personal finances through annomomity which can be embarrassing and very tough to speak out loud to friends and family. So in many ways it’s therapeutic and it has helped me as it helped you. I admire you sharing something you didn’t want to so I figured I’d share my story. And thank you for responding to my posts when I had questions during a critical time in my financial life.
I know what you mean, everyone I know thinks I have good credit, because thats what they saw. They dont know about my medical issue that has left me rebuilding. Having worked in finance, its embarrassing to be in this position. I know better to keep me out of it, but sometimes life just kicks you in the cahones, points and laughs. Coming on here, I was pretty embarrassed to talk about my finances. But now, im good. I've swallowed my pride and am proud of the work I've put in. Still have a ways to go, but I'll get there, and so will you.
@Pikaboo-icu wrote:Awe sorry notsoAverageJoe..
You seem to be taking it in good spirits.. I've seen others have a melt down over less so good on ya!
I'm behind you.. I got your back.. I'll be in app purgatory with you, on one condition....
That you're still around here.. You aren't planning on bugging out of the forum right? RIGHT?
This place would not be the same without ya friend..
+100000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000. There has been days where I was down etc and you have made me laugh etc on here and made me forget about my cancer etc for awhile, YOU ARE VERY IMPORTANT TO SOME OF US BUDDY
@Pikaboo-icu wrote:Awe sorry notsoAverageJoe..
You seem to be taking it in good spirits.. I've seen others have a melt down over less so good on ya!
I'm behind you.. I got your back.. I'll be in app purgatory with you, on one condition....
That you're still around here.. You aren't planning on bugging out of the forum right? RIGHT?
This place would not be the same without ya friend..
Thank you Pikaboo-icu, no worries there lol. Its people like you who continue to make my experience here still worth it. You still have one of my favorite user names haha, can you find me?😱BOO!