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Senior Contributor


Saturday evening brought the first autumn chill and so I spent it roasting HPs like marshmallows. Windows pulled open, a nice chiily breeze, and me ensconced at the computer. #Loveliness  #OrNot


Truth be told I never much liked marshmallows. But sitting near a fire with stick in hand offered its own singular appeal. Like my HPs, I often didn't pay perfect attention and caught them on fire. Ahh, sugar! I'll do better next time.


It wasn't so bad -- RBFCU counter-offered my 15K request with a 5K approval. Better than nothing. They made a suggestion to attach it to my checking account (like Navy, I assume) and I accepted. They said I'd reached my unsecured limit with them (I have a 20K CL CC). On the plus side of the ledger: 9.45% APR which is lower than most I've seen. 


For DPs I can say the HP was TU (I'm not sure which they use, my Fico 08 is about 750, my 09 is higher). I've not a lot of HPs or new accounts the last 6 months. Member & CC for just under 12 months. 



Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board

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