Can't Stay In the Garden

Jolo0801 · ‎06-01-2015

I seem to can't stay in the Garden...

Is there a credit rehab for those who fall to credit temption.

Help

BK Discharge 8.20.25
Discover (Authorized User) - $3,000 on 8.21.25
CapOne Quick Silver - $3,000 on 8.26.25
Mission Lane SL - $2,100 on 9.1.25

chalupaman · ‎06-01-2015

@Jolo0801 wrote:
I seem to can't stay in the Garden...
Is there a credit rehab for those who fall to credit temption.

Help

Easiest thing is to read the site less and go to other websites and do other things with your time that will keep your mind off this stuff.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

DeeBee78 · ‎06-01-2015

Yes, it's called the Sisterhood of Perpetually-Crappy Starting Limits

@Jolo0801 wrote:
I seem to can't stay in the Garden...
Is there a credit rehab for those who fall to credit temption.

Help

Closingracer99 · ‎06-01-2015

You could also just freeze your credit reports which in essence make it basically impossible to app for more cards. Just will need to tremember o unfreeze once you need to app for a new card or any other reason that would require a pull on your report like getting a loan, cellphone carrier or perhaps a job?

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740

Closingracer99 · ‎06-01-2015

@Anonymous wrote:
freezing is for identity theft not for therapy

Why need therapy.... You can't app with frozen reports

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740

DeeBee78 · ‎06-01-2015

@Anonymous wrote:
freezing is for identity theft not for therapy

Do some more reading in the forums, and you'll see how freezes are actually used - forcing lenders to look at other reports, and preventing HP's.

kdm31091 · ‎06-01-2015

Freezing can have security uses but it is more often used (by people here) to prevent HP/apps when their willpower isn't strong.

While I get it, to me, it's a waste of money. If you find it impossible to not app, then your best bet is to get off of the site. Focus on other hobbies and interests. Maintain your cards responsibly and let them age. You can have good credit without reading a credit forum daily. It helps some and hurts others. If it's not helping you to stay in the garden, take a break.

This site does tend to make people more impulsive with apps.

Closingracer99 · ‎06-01-2015

@Anonymous wrote:
that is illegal you cant force a bank to do anything ecxept decline you for irresponsibility

Freezing your own reports due to your inability to handle your impulses is illegal? It isn't

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740

red259 · ‎06-01-2015

@Jolo0801 wrote:
I seem to can't stay in the Garden...
Is there a credit rehab for those who fall to credit temption.

Help

If you can't stop yourself have no fear the lenders will put a stop to it for you as your credit completely tanks and lenders take AA. I would suggest joining the garden thread and making a game out of seeing how long you can go for without apping. If that doesn't work then I would recommend not coming to this site at all.

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019

DeeBee78 · ‎06-01-2015

@Anonymous wrote:
that is illegal you cant force a bank to do anything ecxept decline you for irresponsibility

You really should do some research on credit freezes before you write another sentence on the topic. Freezes are used for more than identity theft.