Figured i try for a Cloc with Navy since i had to get a new Checking account card since my account went inactive and would have been closed in Feb.
Never before tried . Denied as per my usual. No more hps for anyone.im officially done lol. No more cloc , plocs, clocks, shocks, cc's, cli request, unless an emergency . Im even going to leave my Hulk Smashing behind.
Just tired of straight up denials. Im not even mad, it is what it is. For sure a recent loan showing up on report before i can even make 1st payment made my report look even worse but oh well, fico has no memory . Just figured id post this so as to clear my conscious
. Just note scores are meaningless in the end as the carry very little weight in credit decisions at least ime. 765 Fico 9, 742 Fico 8 ( Langley) 2y 9m aaoa (Eq).
Gonna be long 2 + years til a clean report , now where is that Garden?🎅🎄🙋♂️
Never before tried . Denied as per my usual. No more hps for anyone.im officially done lol. No more cloc , plocs, clocks, shocks, cc's, cli request, unless an emergency . Im even going to leave my Hulk Smashing behind.
Just tired of straight up denials. Im not even mad, it is what it is. For sure a recent loan showing up on report before i can even make 1st payment made my report look even worse but oh well, fico has no memory . Just figured id post this so as to clear my conscious
. Just note scores are meaningless in the end as the carry very little weight in credit decisions at least ime. 765 Fico 9, 742 Fico 8 ( Langley) 2y 9m aaoa (Eq).Gonna be long 2 + years til a clean report , now where is that Garden?
🎅🎄🙋♂️
Dang. Sorry AJC. Hang in... your time will come (even if not until the end of your 2+ year gardening stint)...
@AverageJoesCredit wrote:
Figured i try for a Cloc with Navy since i had to get a new Checking account card since my account went inactive and would have been closed in Feb.
Never before tried . Denied as per my usual. No more hps for anyone.im officially done lol. No more cloc , plocs, clocks, shocks, cc's, cli request, unless an emergency . Im even going to leave my Hulk Smashing behind.
Just tired of straight up denials. Im not even mad, it is what it is. For sure a recent loan showing up on report before i can even make 1st payment made my report look even worse but oh well, fico has no memory . Just figured id post this so as to clear my conscious
Gonna be long 2 + years til a clean report , now where is that Garden?
Sorry for your denial Joe
..Take time and enjoy The Holidays.
Thanks everyone
. You guys always seem to cheer me up when i need it. Sometimes it takes me a couple days to let that dread denisl feeling pass. And so shall it be.
Got my new Navy debit card in today. Ive pit a few bucks in a couple savings account and for me thats huge. Not alot of money but something is better than nothing
. You guys always seem to cheer me up when i need it. Sometimes it takes me a couple days to let that dread denisl feeling pass. And so shall it be.Got my new Navy debit card in today. Ive pit a few bucks in a couple savings account and for me thats huge. Not alot of money but something is better than nothing
@AverageJoesCredit wrote:
Figured i try for a Cloc with Navy since i had to get a new Checking account card since my account went inactive and would have been closed in Feb.
Never before tried . Denied as per my usual. No more hps for anyone.im officially done lol. No more cloc , plocs, clocks, shocks, cc's, cli request, unless an emergency . Im even going to leave my Hulk Smashing behind.
Just tired of straight up denials. Im not even mad, it is what it is. For sure a recent loan showing up on report before i can even make 1st payment made my report look even worse but oh well, fico has no memory . Just figured id post this so as to clear my conscious
Gonna be long 2 + years til a clean report , now where is that Garden?
Exit stage left as Snagglepuss would say.😁
Happy to see you're taking it in stride. I agree, 2 years is a long time! Next week, I'll be 12 months in the garden. For me, the first 3 months were hard. But then as inqs started dropping off and I inched closer and closer to my 800 goal, and saw the spades auto changing, it really did become easier to stay put.
Honestly, the ONLY times I get an itch is when I visit the Approval forum. Like earlier this week when I was scared to ask NFCU for a CLI for fear of getting a HP and reverting to a seedling. So no more visting Approval forum until April when I'm down to a total of 2 inqs across CRs.
The struggle to stay in the garden is real but the SP CLIs definitely scratches the itch.
I'm rooting for you AJC.