Home. Time to walk the dog, put away the groceries (I already unloaded the SUV), finish and fold laundry, then maybe nap.
@Anonymous wrote:Back to a seedling I go...
My riding mower bit the dust, and so after a trip to Lowe's I have a new mower and a new CC. However, I did manage to get one on clearance for $1100 off the original price - couldn't pass it up!
We can be seedling buddies, lol. But as a clearance lover, I love that deal! 
@Anonymous wrote:Omg finally! I have 800+ on all three now! I was checking to see if I had any offers from DCU or Service (spoiler: I don't) and then I went to check Langley and EQ finally gained the 4 points it needed for 800!
Looking good, man that's impressive!
@Adkins wrote:Home. Time to walk the dog, put away the groceries (I already unloaded the SUV), finish and fold laundry, then maybe nap.
I'm ready for a nap right about now. lol
@Adkins wrote:
@Sandman771 wrote:Update just now TU reported that $1100 decrease in credit card balance and dropped my score by one point. Uggh
just wait until the 15th when I drop about $1500 on the other card. I might dip to below 500. But I paid two collections and about to pay a third so with time it should be fine. It's just disheartening to see big steps return negative returns
Are the paid collections a pay for delete?
One is and one isn't. Just having them paid gets a bump. I'll let them fall off or maybe GW a deletion attempt later. I just want all my bad ones to be paid and in the rear view and UTI down where it belongs so any credit attempt I can try to recon a bad decision.
also what's up with NFCU? I have my first card stuck at $2k I tried a CLI 90 days/3 statements of $500. They said no soup for you. I said screw yall. So I did what any rational person would do and applied for a second card they gave me $5100. ?????
since then that card got a CLI and the original one was turned down three times
@M_Smart007 wrote:
@K-in-Boston wrote:Yep. Did the math and all that money I was spending on annual fees would add up to a lot more nights at Ramada and LaQuinta. Plus two cards is going to make AZEO a lot easier.
Congrats!, ..I heard "Ramada" is top tier
True story - for a family wedding in BFE Louisiana, they secured a scary looking La Quinta for room bookings.
I thought I'd live large at the Ramada instead.
I'm still not sure if I made the right choice, though the roaches didn't seem to mind a roommate.
(there were no other hotel choices, because even 23 y.o. poor lab-tech me would've found a way to spring for a nicer place if it were possible).
@calyx wrote:
@M_Smart007 wrote:
@K-in-Boston wrote:Yep. Did the math and all that money I was spending on annual fees would add up to a lot more nights at Ramada and LaQuinta. Plus two cards is going to make AZEO a lot easier.
Congrats!, ..I heard "Ramada" is top tier
True story - for a family wedding in BFE Louisiana, they secured a scary looking La Quinta for room bookings.
I thought I'd live large at the Ramada instead.
I'm still not sure if I made the right choice, though the roaches didn't seem to mind a roommate.
(there were no other hotel choices, because even 23 y.o. poor lab-tech me would've found a way to spring for a nicer place if it were possible).
I have stayed in La Quintas lots of times. I didn't see anything wrong with them.
🤷♂️
Hi Garden friends!
Short checkin as life is still looking like a kitten that unfortunately got stuck in the wash.
Randomly gained +7 on EX FICO 2 today, conjecture of a possible 2 year boundary on the "spree penalty" (you have recently opened too many accounts) for that score and I gained points last month and this month possibly as I had a single account tick over that 2 year mark each month.
Other than that nothing really to report. Still closing in on getting squeaky clean and unless I pull an inquiry for a rental in Raleigh I will be spotless for those too. I don't expect to be leaving the garden, if anything once I get settled in Raleigh I may just shut down the CSR or probably PC it more likely. Cash back just seems more and more attractive if I am not traveling much for likely the next two years at a minimum.
Anyway hope all is well with you all!
I have to wait until at least 4/4 to run my quarterly report. That is when USocks should report zero, like they should always be.