Congrats Cheddar:
You have provided many of us Hope. U acknowledged our accomplishments and patted us on the back with our defeats. You helped me understand that my decline in credit was not a life failure,but a lesson in responsibility.
I have only chatted with you, Haulings, Sylvia, Illec, and some others for a short time, but at no time did you sweap our issues away.
Every thread you could get your hands on you managed to answer swiftly and responsibly. The threads have helped me increase my total available credit by $9k. Last week, I couldnt get a sub-prime card now I have Kay, Macy's , Crown Jewl, Discover Direct and PFCU.
Now, that you have graduated to Moderator you will educate us in the class of " Gardening your Credit". At some point, we will have graduated to higher scores and will need advice on how to keep it up.
It is a blessing to have a site such as this and a blessing to have you hear to give it. Thanks for caring about us and I hope one day to also become a Moderator.
Starting Score: 555/567/570- Aug 2017 (TU)646 (EQ) 626, (EX) 635-Goa 750l: UPDATE 2021 (TU) 623, (EQ) 584, (EXP) 598 Current VISA-MC-Amex Credit Cards |NFCU-CashReward-$2k|USSA Visa- $500lAmex USAA-secured Merrick-$1,900ll Amex Delta Sky Miles- $1k
, |Nordstrom-$2100|Neiman Marcus-$700|Credit One Bank $850/$500 / Capital One Journey $700/ Capital One Quicksilver One $1650/Target $600/KohlsStore $300/Personal Loans $14k
Garden Until 2/2022 removing all 18 collection baddies and decrease UTILto less than 5%