What is your biggest challenge?

[Anonymous]

My biggest challenge when it comes to credit is patience. I have NONE! Literally. It almost seems as if the few months I need to wait feels like years!   I'm trying to "garden" right now and I am failing miserably! I'm just so intensely dedicated to this happening and I feel like I want results NOW!  

[bdhu2001]

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@Anonymous wrote:

My biggest challenge when it comes to credit is patience. I have NONE! Literally. It almost seems as if the few months I need to wait feels like years!   I'm trying to "garden" right now and I am failing miserably! I'm just so intensely dedicated to this happening and I feel like I want results NOW!  

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Mine is trying not to be anal.  I get addicted and stay on the forum constantly & watch mint as if it's a threat.  When I need to ease up, I play the simulator game.  It helps to pass the time. The simulator shows that my EQ & EX score should go up in one month, but my TU score needs three months. I've actually listed all the little benchmark score amounts & if I keep away from new apps I'll see a nice boost in 6 months.

[Anonymous]

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@bdhu2001 wrote:

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@Anonymous wrote:

My biggest challenge when it comes to credit is patience. I have NONE! Literally. It almost seems as if the few months I need to wait feels like years!   I'm trying to "garden" right now and I am failing miserably! I'm just so intensely dedicated to this happening and I feel like I want results NOW!  

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Mine is trying not to be anal.  I get addicted and stay on the forum constantly & watch mint as if it's a threat.  When I need to ease up, I play the simulator game.  It helps to pass the time. The simulator shows that my EQ & EX score should go up in one month, but my TU score needs three months. I've actually listed all the little benchmark score amounts & if I keep away from new apps I'll see a nice boost in 6 months.

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Where can I find this simulator! I have the credit monitoring through MyFICO, is it there?!  Sounds like fun!

[Anonymous]

If you click on your latest report you should see the simulator button above your scores

[Hokies2379]

yeah, mine is not apping.  I get a score increase, see someone with similar scores that got approved for something I want and then I apply.  My wife says I need to stop it. Experian and Equifax agree.