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Is anyone else addicted to credit?

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
New Contributor

Is anyone else addicted to credit?

I've always been hesitant about repairing my credit because I have a very addictive personality. I figured I'd probably become obsessed about it.. so I put it off for a while.

 

Since about the beginning of Nov., my knowledge about credit has gone from 0 to 100.. and I've had pretty decent success in clearing up my reports. That being said, I find myself checking my credit score multiple times per day.. Credit Karma, Nerd Wallet, Credit sesame, Mint, Regions and Discover  lol.. 

 

My worst fears have been realized, and I am now addicted to credit. Not obtaining credit, but getting a very high score..  clearing it up and watching for changes.,. 

 

Anyone else here addicted to your credit scores? or am I alone? 

Last Inquiry 11/8/2018 (QS1 approved $300.00)
Fico Score Progression :
10/1/2018 EQ 530 TU 535 EX 540
12/16/2018 EQ 630 TU 621 EX 636
12/27/2018 EQ 639 TU 628 EX 634
In the garden till 1/1/2020
Message 1 of 29
28 REPLIES 28
Established Contributor

Re: Is anyone else addicted to credit?

Yes. Especially during the thick of rebuilding. Even now that my rebuild has basically wound down to just gardening / aging, I still must check my reports / scores daily. You are not alone.
Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/06/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 03/11/2019: EX 743 ✦ EQ 716 ✦ TU 730
Current FICO 9s | 03/11/2019: EX 747 ✦ EQ 735 ✦ TU 719
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2019 Goal Score | 780s


My AAOA: 2.4 years not incl. AU / 2.7 years incl. AU
My AoOA: 6.1 years not incl. AU / 8.1 Years incl. AU
**I FINALLY Have Squeaky Clean Reports as of 2/2019**

Tending my Garden til 2/2021


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 2 of 29
Community Leader
Super Contributor

Re: Is anyone else addicted to credit?

You're not alone, but it will subside

Eventually, you'll only check once a day lol 

Message 3 of 29
Valued Contributor

Re: Is anyone else addicted to credit?

Yep, I was like that in the beginning too and as @remedios says, it will subside.

However, now, I’m addicted to this forum. It’s 2:05 am and I’m posting. 😂🤣. Just smh.
GOALS: Garden til DEC 2020 and 800 Club

Scores
JAN 2019: EX 794, TU 783, EQ 801
DEC 2018: EX 777, TU 783, EQ 799

|| AmX ED $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $15.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX Magnate $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 4 of 29
Community Leader
Super Contributor

Re: Is anyone else addicted to credit?


@CreditInspired wrote:
@yep, I was like that in the beginning too and as @Remedios says, it will subside.

However, now, I’m addicted to this forum. It’s 2:05 am and I’m posting. 😂🤣. Just smh.

Dont forget to check the scores before bedtime lol 

Message 5 of 29
Frequent Contributor

Re: Is anyone else addicted to credit?

I think technically anyone that spends over $100 per year on credit monitoring could be considered obsessive. Some of us are bat crazy loony toons about our credit though, and probably spend that each month.

 

I used to be more obsessive than I am currently; because, now I just make sure to take note of any actionable alerts. I can go several weeks without worrying about my credit, so long as I'm not planning to use it in the very near future. The key, is that credit monitoring will alert you to any important changes... many of which cannot happen when your file is deliberately locked, anyway; so there's really no need to obsess over it. It's like watching a clock in class; it isn't going to make the time move any faster. With credit, everything is about time. So, it's best to just keep it all readily accessible in your mind, but don't starve yourself in life, or start to go broke frivolously purchasing redundant information over and over again.

 

Average-Age takes a long time to hit major milestones. But, when you reach them, it's nice to sit back and admire how long you went without any blemishes of any kind. Beyond that, the only time to actively pull your credit is when you're about to apply for something. Otherwise, unless you start to mess up... the only way the score goes is up.

  

I am definitely obsessed with inquiries though... or the lack thereof. I'm waiting for the day when we can operate solely on promotional inquiries. That'll be the day.

Message 6 of 29
Frequent Contributor

Re: Is anyone else addicted to credit?

Not addicted to credit. But it has become a part of everyday life when rewards points and hotel/airline benefits are involved. 

Message 7 of 29
New Member

Re: Is anyone else addicted to credit?

I have found myself checking my credit and other finances multiple times a day. I just have a lot of interest in it all. What can I say? It's something I like and you are definitely not alone. 

NFCU CashRewards $3k, BOA CashRewards $2.2k, Discover it Student Cash Back $2.5k
Target REDcard $2k, Belk Rewards Card $1.3k, Amex Everyday $5k
Goals: 1)Start Gardening Soon! 2)Perhaps a CLI with NFCU!
Message 8 of 29
Established Contributor

Re: Is anyone else addicted to credit?

I'm on this site multiple times a day, I've pretty much read each and every post, and TBH I enjoy it.
Addicted maybe, interested in how to help others by getting involved in this community, absolutely.





~~ Former Royal Navy Submariner - Proud to have served ~~
Message 9 of 29
Established Contributor

Re: Is anyone else addicted to credit?

Credit is more fun than fantasy football, and I can do it by myself unlike DND.

 

I wouldn't call myself addicted, but it has become my #1 hobby.  Current goal,  financing a Disney trip with minimum dollars spent.  I think I've gotten a 10,000 trip down to 100 dollars out of pocket by Nov 2020, but I'm hoping to get that date moved up if miles/points exceed projections.

Message 10 of 29