@Justagirl73 wrote:Thanks Bella! Hope all is well.... we seem to never be on at the same time anymore!
I know. I've been on less, I'm trying to be good! 
PenFed has yet to give me my credit score (the response to my secure message asking where it went was that they are in the process of changing it - for how long?) but NavyFed gave me my EQ 09 - 800! I haven't seen 800 in a while so I was excited but my excitement deflated quickly because I agreed to BT half of my sister's credit card debt on to my NavyFed card for the 0% BT APR and $0 BT fee for the next 10-11 months promotion. I might see a hit due to my utilization although it'd only be at about 33% individual utilization.
So, do we still go by FICO 08 or FICO 09? 
ETA: Someone left the gate to the garden open AND turned off all the lights last night. Not my fault I ended up OUTSIDE the garden while on a nightly walk around. 
@AverageJoesCredit wrote:
Just about to finish up day 21 no lights. Heard maybe by Nov PR might have 25% back , lol, isnt that optomistic
Dude, I admire your attitude and optimism.
Happy Friday!
@Anonymous wrote:
@Anonymous wrote:I stepped out today after a breif stint in the gasrden to gather a NFCU Data point. It looks like I have joined with no HP and apped for the cash card today. Since I was out I jpined penfed and did an app there for the 5% gas card. NFCU approval, Penfed denied... Oh well back into the garden I go 729 days to go till Im out of the garden at least for now. Maybe in a year when all of my inqs are no longer scored Ill feel diferently.
Let's see if I figured out this math thing.
This was posted on the 6th. Today is the 12th. 12-6=6. Ok. So good so far...
You had 729 days remaining to be in the garden when you posted this...So let's see 729-6= 723. .
If I got that correct, I'm atleast at the level of first grade math. LOL! If not, then back to kindergarten I go!
...all kidding aside...
It's pretty awesome you were able to join NFCU with no HP.
Too early for math, LOL.
@Anonymous wrote:
Sure, I'll let EX know to send two points over to you! Tumbleweeds and crickets have been the norm for me too, in fact TU dinged me a point for the same balance decrease that EX gave the 4 points for. TU hates my credit guts for some reason. And EQ? EQ is stoic, no response from them, and I feel like they owe me, heck, they owe us all bigtime!
You are right! EQ owes us all bigtime. Hopefully, it's like a dormant volcano that will spew POINTS all around, LOL.
Mine last updated 09/27.
@minski wrote:PenFed has yet to give me my credit score (the response to my secure message asking where it went was that they are in the process of changing it - for how long?) but NavyFed gave me my EQ 09 - 800! I haven't seen 800 in a while so I was excited but my excitement deflated quickly because I agreed to BT half of my sister's credit card debt on to my NavyFed card for the 0% BT APR and $0 BT fee for the next 10-11 months promotion. I might see a hit due to my utilization although it'd only be at about 33% individual utilization.
So, do we still go by FICO 08 or FICO 09?
ETA: Someone left the gate to the garden open AND turned off all the lights last night. Not my fault I ended up OUTSIDE the garden while on a nightly walk around.
Congrats on the 800! I hope to earn that someday!
Your sister is so lucky to have you for a sibling!
I bet it was nice out last night. This old lady went to bed too early.
Back in the guarden, trying to get my scores back up
Gardening 10-13-2017