Good morning boys and girls. Happy Thursday.
DW and I are both here for the balance of 2016, methinks. Early 2017, I'm hoping to refinance our home. 
Happy September. Things are just steady in my world. Home construction is moving along. Hoping to be moving in next month or early November. In the process of getting our final approval on the mortgage. We are conditionally approved and we have sent in all our conditions so now we wait. Pretty nerve wrecking times.
Happy garden and new month to all my fellow gardeners.
What happens when an inq turns one year?
Anyway for this month, I have 4 INQ's falling off and 2 turning 1 yr on EQ. As for TU and EX, I have between 1-2 falling off and turning a year old. Haven't app'ed since July and I am almost in reach of that silver spade. I've had that itch and was so tempted to go for the CSR but that benadryl kicked in and demolished any itch
Oh well still buried under the dirt
Wishing everyone good luck with their garden goals.
Well I made it through another month on the credit watch. Although I didn’t stay completely in the garden AGAIN last month, I still have a few accomplishments worth noting.
I gained three relationships: AMEX, NFCU & PenFed. In my opinion, if nothing else went right last month, my relationship building went very well. I was also able to lower my auto interest rate resulting in a few dollars saved each month.
Last month was a slow month for number moving, but I was still able to pull off the following score changes:
EQ: 626 ---> 630 (4 pt. increase)
TU: 640 ---> 641 (1 pt. increase)
EX: 668 (No Change)
My utilization went up from 24 to 26%, but this should change by next month sometime. I thought this would have adjusted by now, but Cap1 moved really slow with my due date change. This should work in my favor though, because my secured card will be showing a zero balance soon. Once I close it, it will be time for my 61 day CLI on the AMEX card. So, the closeout won’t have an affect on my utilization. I can’t wait until I can get away from the low limits to avoid having to micro-manage utilization!
My GW responses didn’t go as planned, but I will work up another plan of attack for this month. On a good note, I lost 2 collection accounts from EQ. So, down to the following collections:
EQ: 4, TU: 1, EX: 2
I’m off to make my Credit Repair Goal List for the month of September. I feel like I’m a little more planted in the garden. I’ll admit, I did a little app spree since I was already racking up inquiries, but I quickly realized I was racking up denials! (I couldn’t fight off the itch.) I guess it was the extra push I needed to keep my feet planted in the garden. Looking forward to my first spade this month. Also, this month’s financial goal is to lessen the amount of money that my household is spending on dining out. This has been an ongoing struggle and it’s time to break the cycle. I also want to focus more on my businesses so that I can bring in extra monthly income instead of constantly paying out for business expenses.
I wish everyone a productive month!
Good Morning Intrepid Gardeners,
Having a bit more coffee before taking our little Javi kitten into her ophthalmologist. Yeah, she is expensive but she is cute.
Both our mortgage and PRG are now reporting and life didn't end credit wise except on CreditKarma, I have to stop looking at that site. I also have to stop looking at the approval and business credit section here, the Amex Simply Cash Business card is starting to speak to me. I need to play that Taylor Swift song, "Shake it Off".
Drink more coffee, it is good for you. Stay Garden Strong.
- Driftless
Checking in for Sept! Gardening strong, one more month and my last baddie falls off!
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k