Congrats, AJC! I'm keeping my fingers crossed that your Penfed recon will yield positive results! 
Thanks Family
.
Im still working out the kinks on Equifax, i found out Home Depot couldnt access my report even though i have it unfrozen for the month. I believe its due to the spelling of my address and i called again today to make sure they change the letter back the way it was uggh. Hopefully after this itll be easier to access my reports.
Also, quite sad as i saw my new Nextgen score and i lost 2 points again instead of rising so thst probably didnt help my PF app. But if that ties in to my Equifax, at least i know why its still not rising. I noticed a card that i had included in bk still on report showing a credit limit and high balance, this might spook a lender but this was way before i understood utilization and credit. Put in a dispute today to see if anything can be done. I may decide to actually call PF and explain n detail my report if i dont hear back soon. Hope everyone has a great weekend
.Im still working out the kinks on Equifax, i found out Home Depot couldnt access my report even though i have it unfrozen for the month. I believe its due to the spelling of my address and i called again today to make sure they change the letter back the way it was uggh
. Hopefully after this itll be easier to access my reports.Also, quite sad as i saw my new Nextgen score and i lost 2 points again instead of rising so thst probably didnt help my PF app. But if that ties in to my Equifax, at least i know why its still not rising. I noticed a card that i had included in bk still on report showing a credit limit and high balance, this might spook a lender but this was way before i understood utilization and credit. Put in a dispute today to see if anything can be done. I may decide to actually call PF and explain n detail my report if i dont hear back soon. Hope everyone has a great weekend
@AverageJoesCredit wrote:
Today must be Navy day, everyone and their cousins are getting some super lovin from Navy lol, great job everyone.
Well folks, this is gonna be my last approval thread for the year as after a rocky week credit wise, im gonna ride off into the sunset for 2017 and tend my garden after tonight.
As some may know ive been in the midst of trying to fix whatever problems ive been having with my Equifax . So while out and about decided to go for a cli on my Penfed Promise . Figured why not, clean report now, 1 year good history with cc and loan. Nope, once again denied. Feeling like im in my Discover romance stage lol.
Anyway moving on i did happen to get a couple sp increases and 2 hp cli. Its truely time to set my mind to erase my cc debt and let these lenders chase me for once and not the other way round lol. So with a heavy heart and sufficient credit lines, heres my final pickups for 2017 :
Sp luv : Zales 4750 - 5500
Gordons 4750 -5500
HP - Boa BBR 8500 -10,700
Best Buy 6000- 10,000 instant
No dice-
Boa BBR app no soup
Home Depot no soup
Data points: Tu 723. Ex 735 Eq ???
Hps: more than 10 each lol
Goal for remainder 2017, no sp cli request, no more hp cli request, no more apps period. New motto " just say no to shp luv" Lol. Its gonna be hard but if increases are meant to be theyll be there later on. Disco looks like im bracketed to remain at 3k so no fairytaile endings there. Amex and Navy most coveted but just gonna hold off. Citi doesnt show me luv anyway with my Dc so couple more months arent gonna sink the ship. Ok, thanks for reading. See ya in the garden, i just hope LOTR and BeautifulBlackPearl will still welcome me lol
Of course they'll welcome you, you're the life of the party.
@AverageJoesCredit wrote:
Thanks Family
Im still working out the kinks on Equifax, i found out Home Depot couldnt access my report even though i have it unfrozen for the month. I believe its due to the spelling of my address and i called again today to make sure they change the letter back the way it was uggh
Also, quite sad as i saw my new Nextgen score and i lost 2 points again instead of rising so thst probably didnt help my PF app. But if that ties in to my Equifax, at least i know why its still not rising. I noticed a card that i had included in bk still on report showing a credit limit and high balance, this might spook a lender but this was way before i understood utilization and credit. Put in a dispute today to see if anything can be done. I may decide to actually call PF and explain n detail my report if i dont hear back soon. Hope everyone has a great weekend
I think there's something fishy about the NG2 score this quarter. Mine dropped 63 points and is the same as the NG2 score I had 6 months earlier. I think it's off, and I think it's related to the delays they had in getting it posted this quarter.