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Closed all my subprime cards yesterday. Officially rebuilt, and in the garden!

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Community Leader
Senior Contributor

Re: Closed all my subprime cards yesterday. Officially rebuilt, and in the garden!


@Jnbmom wrote:
Yes I agree No better place to be then debt free.

Also it's great to close those cards. I remember when I closed my FP, the guy actually tried to explain FICO to me and asked if I knew how it worked and that closing my card would most definitely hurt my score😂

I replied how so, he went on with closing my account would hurt my age, umm no and that I would be losing some utilization, umm what my 750 limit again NO. He finally just said ok ma'am I will close it.

Giving me a lesson in FICO, yeah ok 😞

At least you were gracious enough to listen to his spiel 😂🤣😂🤣

GOALS: Garden til APR 2020 and 800 Club


SEP 2019: EX 791, TU 797, EQ 800
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

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Message 11 of 22
Frequent Contributor

Re: Closed all my subprime cards yesterday. Officially rebuilt, and in the garden!

giphy.gifSUPER!!




Message 12 of 22
Valued Contributor

Re: Closed all my subprime cards yesterday. Officially rebuilt, and in the garden!


@M_Smart007 wrote:

 

That is one Huge Hurdle, you have Conquered!


I am sorry to say I know exactly where you got your user name from....anyone who does remember, is old as dirt...agent 99.

TU fico08=823 09/28/19
EX fico08=813 10/16/19
EQ fico08=823 10/04/19
EX fico09=810 10/02/19
EQ fico bankcard08=844 09/24/19
Message 13 of 22
Regular Contributor

Re: Closed all my subprime cards yesterday. Officially rebuilt, and in the garden!


@sarge12 wrote:

@M_Smart007 wrote:

 

That is one Huge Hurdle, you have Conquered!


I am sorry to say I know exactly where you got your user name from....anyone who does remember, is old as dirt...agent 99.


Hush your mouth! I remember it as well, and I'm in my early 40s... I certainly do not consider that "old as dirt." They used to play Get Smart reruns on TV all the time when I was a kid, and I used to always watch them. Loved the shoe phone and the cone of silence.

Message 14 of 22
Established Contributor

Re: Closed all my subprime cards yesterday. Officially rebuilt, and in the garden!

Awesome!!! Congrats on your credit success!!!











Current

Goal Cards

Message 15 of 22
Valued Contributor

Re: Closed all my subprime cards yesterday. Officially rebuilt, and in the garden!


@felipestrong wrote:

@sarge12 wrote:

@M_Smart007 wrote:

 

That is one Huge Hurdle, you have Conquered!


I am sorry to say I know exactly where you got your user name from....anyone who does remember, is old as dirt...agent 99.


Hush your mouth! I remember it as well, and I'm in my early 40s... I certainly do not consider that "old as dirt." They used to play Get Smart reruns on TV all the time when I was a kid, and I used to always watch them. Loved the shoe phone and the cone of silence.


I saw them new...

TU fico08=823 09/28/19
EX fico08=813 10/16/19
EQ fico08=823 10/04/19
EX fico09=810 10/02/19
EQ fico bankcard08=844 09/24/19
Message 16 of 22
Moderator Emeritus

Re: Closed all my subprime cards yesterday. Officially rebuilt, and in the garden!


@CreditInspired wrote:

@Jnbmom wrote:
Yes I agree No better place to be then debt free.

Also it's great to close those cards. I remember when I closed my FP, the guy actually tried to explain FICO to me and asked if I knew how it worked and that closing my card would most definitely hurt my score😂

I replied how so, he went on with closing my account would hurt my age, umm no and that I would be losing some utilization, umm what my 750 limit again NO. He finally just said ok ma'am I will close it.

Giving me a lesson in FICO, yeah ok 😞

At least you were gracious enough to listen to his spiel 😂🤣😂🤣


Now don't have card withdrawal and go back and try to reopen accounts. Usually I have a withdrawal period and have to tape my fingers so I can't type something foolish. Smiley Embarassed

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Current Score: 850
Goal Score: 850


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Message 17 of 22
Regular Contributor

Re: Closed all my subprime cards yesterday. Officially rebuilt, and in the garden!

the help  shared here is just over the top ,, congrats on your sucsess

Message 18 of 22
Community Leader
Valued Contributor

Re: Closed all my subprime cards yesterday. Officially rebuilt, and in the garden!

What a great feeling!! CONGRATS!!!

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Message 19 of 22
Community Leader
Senior Contributor

Re: Closed all my subprime cards yesterday. Officially rebuilt, and in the garden!


@CreditInspired wrote:

@Jnbmom wrote:
Yes I agree No better place to be then debt free.

Also it's great to close those cards. I remember when I closed my FP, the guy actually tried to explain FICO to me and asked if I knew how it worked and that closing my card would most definitely hurt my score😂

I replied how so, he went on with closing my account would hurt my age, umm no and that I would be losing some utilization, umm what my 750 limit again NO. He finally just said ok ma'am I will close it.

Giving me a lesson in FICO, yeah ok 😞

At least you were gracious enough to listen to his spiel 😂🤣😂🤣


Yes he kinda didn't give me a choice kept talking and talking could hardly get a word in so I decided to play along 😁

EXP 753 TU 781 EQ 733
Message 20 of 22
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