Exactly! No worries, I'll get in eventually.
Current Scores: FICO08 670 EQ, FICO08 703 TU, FICO08 661 EX
@GettingBetter2015 wrote:
I'm joining you! I only started rebuilding in March... (I guess you could count my Victorias secret card from April 2014 as the start if you really wanted to, but I got that one through the SCT and really only wanted it because they carry long length pajamas which are hard to find when you're 5'10")
I have a Macy's card, a Capital One Secured card, a Capital One Quicksilver 1 card, an overstock.com card, and my now coveted Victorias Secret Forever angel card (I might have a pajama obsession). I apped for a couple other cards and got denied... so I decided it's time to back off and let these cards age and grow... I have some baddies scheduled to fall off my reports end of this year/beginning of next and by that time I'll hopefully be in a position to finance a new HVAC unit for our house. Here in a few short weeks, I'll have a newborn to occupy my time which should keep my feet firmly planted in the garden.
My scores aren't where they need to be for some of the better cards that I'd want anyway, so watching them grow will be a very rewarding experience! As it stands right now, my scores are EQ 603, TU 585, EX 605. I'm hoping that by years end November/early December I'll have scores enough for a good card with good benefits to it and scores good enough for Lowes or Home Depot (as a kid I hated these stores, but love them now!)
Good luck with your gardening plans! Hoping for the best outcomes for all of us!
Thank you much for sharing your story. That's why I love this place. I really pray everything works out for you. Like you said, give it some time and enjoy watching them grow. Have a blessed night. And thanks again for your encouragement.
@Anonymous wrote:Ford - I think your little guys have come to my place and they are all having a party! I have twitchy finger and getting the shakes fighting them off. Every time I see a new approval for NFCU they get louder! Make your guys come home!
LMBO!!! 
...........Their exact words were they are trying to find another "sucker" to do their bidding! Don't fall for it, IT'S A TRICK!!!! You gotta fight........RUN FOREST, RUN!!!
@Anonymous wrote:You live and you learn! With a little TLC your scores are sure to get better before you know it. Keep up the good work!
@Anonymous @Anonymous! It should be even faster now. I have 2 of 3 final baddies being removed. One through goodwill letter for (2) 30 day lates and a CO with a $405 unpaid balance that was being reported incorrectly.
QUICK UPDATE: Since this post I have added $24,000 in CLI's from Synchrony and Macy's while tending the "garden"!!! Thanks for all the encouragement. You guys are the BEST!!!
You are doing what the boards was designed to do. To educate people and improve their overall credit health. The Shogun bows to you sir......
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Shogun wrote:You are doing what the boards was designed to do. To educate people and improve their overall credit health. The Shogun bows to you sir......
@Shogun - I'm speechless right now with your kind words! Looking at your siggy, I would say you DEFINITELY have home field advantage! Can't wait to see my scores in the same light as yours by years end. Thanks again.