Hey everyone, hope everyone is good. Kind of in a funk/ rut/ sad/ mad lol, not sure just hit a wall credit wise . Restarting my garden clock today. 2 days ago tried to see if 3 times the charm with my Boa BBR for a cli but just like a fly meets the end of a swatter, so goeth my dreams for that 10k card and total waste of a hp. I know it happens and many factors go into it but i felt i was heading strong with Boa.
Perhaps i pushed it too soon who knows but thanks to a good friend here, showed me i got support from my friends here so decided to let it go and march on. The trials and tribulations on ones credit journey has many flavors just so happened mine was sour this time. I guess the best thing this did for me was wake me and told me nows the time to pull the straps tight and just enjoy the ride. So im making a goal of mine to no longer request clis( Discover button smashing not included
)
With my income i should be happy with what i have and if i can go these next 2 years app free who knows perhaps a nice Chase card in my future. I do know i really eventually only want to have like 5 key cards. I got my Discover, will definetly keep my Dc card, if it ever gets nerfed, ill want just one cash back card, a mastercard, an Amex ( though this may not happen for another 10 years or more ) one visa and a good Bt card, my BBR is good for that.
Sorry for long post, like i said, most of you understand the nuances of not getting what we want lol. But another day passes and like my good friend says, in a couple years ill look back and laugh. When my profile becomes thick enough to wipe away the rejection with a laugh, ill know my work is done
Stay well my friends AVJ
Perhaps i pushed it too soon who knows but thanks to a good friend here, showed me i got support from my friends here so decided to let it go and march on. The trials and tribulations on ones credit journey has many flavors just so happened mine was sour this time. I guess the best thing this did for me was wake me and told me nows the time to pull the straps tight and just enjoy the ride. So im making a goal of mine to no longer request clis( Discover button smashing not included
)With my income i should be happy with what i have and if i can go these next 2 years app free who knows perhaps a nice Chase card in my future. I do know i really eventually only want to have like 5 key cards. I got my Discover, will definetly keep my Dc card, if it ever gets nerfed, ill want just one cash back card, a mastercard, an Amex ( though this may not happen for another 10 years or more
) one visa and a good Bt card, my BBR is good for that.Sorry for long post, like i said, most of you understand the nuances of not getting what we want lol. But another day passes and like my good friend says, in a couple years ill look back and laugh. When my profile becomes thick enough to wipe away the rejection with a laugh, ill know my work is done
Stay well my friends AVJ
@AverageJoesCredit wrote:
Hey everyone, hope everyone is good. Kind of in a funk/ rut/ sad/ mad lol, not sure just hit a wall credit wise . Restarting my garden clock today. 2 days ago tried to see if 3 times the charm with my Boa BBR for a cli but just like a fly meets the end of a swatter, so goeth my dreams for that 10k card and total waste of a hp. I know it happens and many factors go into it but i felt i was heading strong with Boa.
Perhaps i pushed it too soon who knows but thanks to a good friend here, showed me i got support from my friends here so decided to let it go and march on. The trials and tribulations on ones credit journey has many flavors just so happened mine was sour this time. I guess the best thing this did for me was wake me and told me nows the time to pull the straps tight and just enjoy the ride. So im making a goal of mine to no longer request clis( Discover button smashing not included
With my income i should be happy with what i have and if i can go these next 2 years app free who knows perhaps a nice Chase card in my future. I do know i really eventually only want to have like 5 key cards. I got my Discover, will definetly keep my Dc card, if it ever gets nerfed, ill want just one cash back card, a mastercard, an Amex ( though this may not happen for another 10 years or more
Sorry for long post, like i said, most of you understand the nuances of not getting what we want lol. But another day passes and like my good friend says, in a couple years ill look back and laugh. When my profile becomes thick enough to wipe away the rejection with a laugh, ill know my work is done
We have all been there. My last two HP's were a waste too. That was 12 months ago. Wish you the best in the garden. You have a great attitude so I am sure you will get where you want to be in your credit journey. I love the Discover button though!
@Anonymous wrote:Can't wait to see you go over 800! That is good stuff! I've been thinking mortgage lately too. November will be my 2 year BK anniversary, so it's getting closer to being a possibility.
Awww...thanks. I danced with my TU score at 808 until my auto loan reported as closed. Then, I lost 21 points. 😝
For a long time I've thought that a mortgage was a good idea, but I am really thinking that I might pay off my student loan debt first. The idea of being over $500-800k in debt is kind of daunting if I were to buy a home with my student loan debt still hanging over my head. If I continue to do what I am doing now, I can pay it off in 3 years by taking a chunk of my savings. So...we'll see. There is no rush for me right now.
@MissMoni223 wrote:Happy February Fellow GC Members!
It's my BIRTHDAY month, so I'm uber excited!!! I've been here for a while now and my FICO scores are definitley the fruits of my labor. My average is 693. I'm almost to the 700 Club, which is one of my goals for 2017. I'm here until 2019 (car purchase). I encourage everyone here to stay FOCUSED on your financial & credit score goals. This is not a place to compete. Do what works best for YOUR financial situation. Be smart about obtaining new credit and please do your research before jumping on the bandwagon. As I was told when I first got here, your credit journey is not a sprint but a marathon.
+1
@MissMoni223 wrote:Happy February Fellow GC Members!
It's my BIRTHDAY month, so I'm uber excited!!! I've been here for a while now and my FICO scores are definitley the fruits of my labor. My average is 693. I'm almost to the 700 Club, which is one of my goals for 2017. I'm here until 2019 (car purchase). I encourage everyone here to stay FOCUSED on your financial & credit score goals. This is not a place to compete. Do what works best for YOUR financial situation. Be smart about obtaining new credit and please do your research before jumping on the bandwagon. As I was told when I first got here, your credit journey is not a sprint but a marathon.
Happy Birthday MissMoni!
Welcome & welcome back to all the new and returning GCers!!!
For anyone that's unhappy with their current credit situation, STAY POSITIVE and focused on your goals and things will improve. You are in the right place for it to happen. Gardening can have a favorable impact on your credit profiles.
Congrats to everyone on your successes and continued committment to garden!!! See you around the forum!