Rather Late, haven't posted here in months. Tried to apply for some secured lines and got rejected on all fronts.. caused me to fall off the wagon for a while. Got back to work calling debtors and contesting a few items on my credit report debt is down 70%! Feeling re-invigorated so I'm pushing forward ahead, going to look at erasing more collections account before I try to apply for credit again.
Hi @LouEG I thought I had posted to you but found it in my drafts. Glad you're back and glad you're re-invigorated. Good Luck handling the work ahead gaining traction. At least but most importantly, out of all things you do, pace yourself, don't get discouraged, vent over here and post about your credit issues. Hey, we've all been there, done that but it's just helpful to pass the time ( the great Credit Healer) as you take small steps, leaps, and any set backs you can share with your credit friends. You know, it keeps your batteries charged. We all need that every now and then.
Be sure to post here to let us see your progress, see how it's going, and let us know if we can help in anyway. That's what this challenge is all about.....continuing on. Happy Holidays!!!!!
How's it going everyone? Making any progress?
Can't wait to give the finger to 2020? Let's all be sure to fireaway on the 31st...SALUTE!
Hope you all have a Happy Holiday, staying warm, healthy and fuzzy all over.
((((((Rock on Challengers!))))))
So close to this year being in the rearview!! As far as progress, it's been almost a month since I've app'd 😂😂 Although I'm scared to see the effects of my new accts, I have to say I'm pleased with the year my credit has had. I've expanded nicely, obtained goal cards & kept debt low. I can't wait for 2021 to commence so I can watch my student loan lates age off!! 2021 will be no apps (only SP CLI's) and I need someone to keep me accountable!! I'm talking to you @GApeachy 😁
Happy holidays everyone!!
Haha!! Thanks @GApeachy , that's a fancy spade u got there! 🤩 So shiny! Hopefully I'll be there soon too! Honestly I think I've app'd myself out bc I don't have a desire for more cards right now. So hopefully this is an easy gardening stint.
I don't have a desire for more cards right now.
I'd still like to app for another 500 cards/store cards just for s&g's but I have a refinance/new loan in a few months so I'm minding my Ps & Qs.
Btw, that shiny spade I got I think I could have had two months ago, idk but I thought it started at 4 months ,oh well. Helps to read the instructions "first" sometimes.
Pour a little water on your seedling, it'll take root while those sl lates compost. Happy Holidays @Doodlebug30
What does gardening mean?
Gardening is just refraining from applying for any new credit. Or asking for increases that require a hard inquiries.