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Hi all

Valued Member

Hi all

Hello, I am a new user. I am trying to get my act together, credit-wise. I am just trying to figure out how the site works, discussion boards etc. 

Starting Score: EX: 678 EQ: 677 TU: 667 03/06/2013
Current Score: EX: 684 EQ: 687 TU: 705 03/31/2014 / Last App: 08/04/2013 / In the Garden Until: 01/04/2013

      NPSL           $5000           $3000           $3000           $2500           $2000           $1000            $1000           $1000           
Message 1 of 15
14 REPLIES
Super Contributor

Re: Hi all

Welcome to the forumSmiley Happy

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 15
Valued Contributor

Re: Hi all

Welcome! Welcome! make yourself at home!

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Message 3 of 15
Established Contributor

Re: Hi all

Welcome to the show!


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 4 of 15
Moderator Emerita

Re: Hi all

Welcome! There is a wealth of knowledge and experience here- I know I learned a lot.
Message 5 of 15
Valued Contributor

Re: Hi all

Lots to learn here.  Welcome to the forums!

Message 6 of 15
Valued Contributor

Re: Hi all

welcome aboard!!!

gardening since 5/21/2016
Message 7 of 15
Frequent Contributor

Re: Hi all

Welcome.....There is so much to learn and there are so many helpful people here Smiley Happy


Starting Score: 500s
Current Score: EQ: 708myFICO(7/15/17), TU: 721myFICO(7/15/17), EX: 701myFICO(7/15/17)
Goal Score: 750

Wallet: Discover IT $50300, Capital One Platinum $17000, Barclays Rewards $6700, Walmart $6000, Amazon Store Card $6000 Chase Sapphire Preferred $5000, Chase Sapphire Reserve $10000, Bank of America Cash Rewards $500. BestBuy $10000
Message 8 of 15
Frequent Contributor

Re: Hi all

Welcome!!! We all started that way!! On to a better credit future!!!! *poors newbie a glass of wine*Smiley Happy

Current: TU 772 EQ 765 EX 760 (GE credit pull)
Goal 800+
WHAT'S IN MY WALLET: American Express Blue Cash Preferred 29,500/ Citi Simplicity 16,600 / Discover IT 16,500/ Chase freedom 4,800/ Care credit 10,000/ R us MasterCard 7,500/ kohls 2,500/ LensCrafters 2,400 / Citi Double Cash 13,200/ Amazon Visa 7,000
Message 9 of 15
Established Contributor

Re: Hi all

Hiya and welcome!! Smiley Happy


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Message 10 of 15