Not so confident anymore..

[Anonymous]

I ain't kiddin'. The italicized stuff is what I would say, but that is me.

[Anonymous]

i know.  i meant very good one, as in very good technique.

[2anewu]

Noah, I love it . That is very good advice and it is worded very well. I do not know why people who serve the company (CSR's) act as though the money is coming out of their pockets. As if I am asking them for a loan. Thank you so much for the advice. Thanks everyone!

...So you all think I should be okay this time next year as long as I keep my credit up to par?

[Anonymous]

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2anewu wrote:

Noah, I love it . That is very good advice and it is worded very well. I do not know why people who serve the company (CSR's) act as though the money is coming out of their pockets. As if I am asking them for a loan. Thank you so much for the advice. Thanks everyone!

...So you all think I should be okay this time next year as long as I keep my credit up to par?

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Yes!!!

1-9, on-time, all the time!!

[2anewu]

I like that phrase but what is the 1-9? I am sleep deprived and can't figure it out .

[Anonymous]

1-9% util.

[2anewu]

DUH!! I can't believe I couldn't figure that one. Thanks!!

[Anonymous]

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2anewu wrote:

...So you all think I should be okay this time next year as long as I keep my credit up to par?

---

It all depends. A lot can happen quickly or take a while.

I have a State Farm VISA, and I've been pounding on them for a while. Took a couple of tries but finally got the CL up from $1500 to $2500. APR is down to 19.24 for purchases and BTs. Not great, but eh.

In 2 months, probably gonna hit 'em up again for an APR reduction.

Have a look at CC Payoff Tactics

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=4120

Getting any rhythm outta Wells Fargo has not succeeded. Think I'm gonna set an Email reminder to myself in Outlook and ask about an APR reduction once a week. Maybe they'll give it just to shut me up. CL is $4K, and they've said no to a CLI then no again to a CLI in my recon. Pulled TU and then EX.