Data...
I left the country in 06' and returned in 13'. Started rebuild in 14' so I have a large void in my profile. My last old account dropped off EQ and it cost me 9 points (averaged with utilization drop).
Hi! Almost forgot to check in for the month, ahh! Inching my way to a gold spade at the end of this month...
Nothing exciting to report. I didn't spend as much as I have before on the Black Friday - Cyber Monday shopping weekend yay, hehe 
I did try to get a CLI from Cap 1, but they denied me because I haven't spent enough on my card. They said "maybe if you charged like $1000 or more". Well, I spend less than half of that in a month, soooo I guess I'm stuck. It's a bummer because I just wanted to get $5000 limit on it. Oh well, it's their loss!
Ooh, I did just got the SP language for a Citi CLI when I checked today! I've been putting most of my spending there since I'm not really buying anything in 5% categories. BUT I'm resisting and I'm not going to request it until Jan 1 (to have a reliable 3/6 month timeline that I can easily track).
Happy holidays!!
@tcbofade wrote:In entirely unrelated news, my kid got her acceptance letter to the University today...
...along with a $56,000 scholarship.
Belated congrats, someone turned out well. 
@Anonymous wrote:
Month 4 in the garden. Experian 757, transunion 733 and Equifax is 704. Keep up the good work everybody!
Same to you and nice effort.
Also today marks an exact 4 months gardening on this end too.
I won't jinx it by inserting a spade until reaching the 6 month GOLD. 
Because I never been that far yet. LoL
Happy Holidays to all to all a happy Fico. Even though i used up a hp for my last increase with Boa at end of Dec, i would like to think im officially gardening starting in December. Gonna be an interesting year to say the least to see how sp clis come about. Looking forward to growing up my little tyke "Discovero" and msybe seeing if Citi shows any love for my toddler "DC" at the 1 year msrk in march. Still anxiously waiting to see if my bk falls of TU this month , if not i can wait til April May, made it en years, can wait a couple more.
I wish the very best to all MyFico families and theie love ones. Stay safe and may your health and credit health continue to improve. AVJ
. Even though i used up a hp for my last increase with Boa at end of Dec, i would like to think im officially gardening starting in December. Gonna be an interesting year to say the least to see how sp clis come about. Looking forward to growing up my little tyke "Discovero" and msybe seeing if Citi shows any love for my toddler "DC" at the 1 year msrk in march. Still anxiously waiting to see if my bk falls of TU this month , if not i can wait til April May, made it en years, can wait a couple more.I wish the very best to all MyFico families and theie love ones. Stay safe and may your health and credit health continue to improve. AVJ
Hi All! Checking in for December! I will likely be leaving the garden later this month to snag the Citi DP that has been hounding me for months...I need the 0% for 21 mo to do a BT on a balance that didn't get paid off in time 
2016 became rougher as the year went on, so sadly my pay off plans didn't get fully implemented. I have been in the garden long enough to see my scores remain level despite a bit of a util % increase, and see 3 inquiries drop off my CR. I'm about to fire off a letter to RBFCU to see if they will remove the duplicate INQ they hit me with when I opened my accts with them last Jan, if so, that will help even more if I have to add another new one.
@Imperfectfuture wrote:
@tcbofade wrote:In entirely unrelated news, my kid got her acceptance letter to the University today...
...along with a $56,000 scholarship.
Belated congrats, someone turned out well.
Third time's the charm.