Checking in to say that AMEX increased my Cash Magnet from $8,000 to $20,000 (SP). This will definitely sate my appetite so I can stay in the garden until next year without applying for any new credit.
...Or end of the year
...or next month
*sigh* lets just see how long this holds me over 
Checking in after too long an absence.
I wandered off the reservation after my gig fell apart in December of last year, and my credit defense plan worked 95% except for one account that I should've closed years ago, didn't support autopay, and an old recurring charge landed on it unnoticed and the rest I switched into a deliquency scorecard for all FICO scores.
Bye bye 800+ scores, back down into low 700's on most models including sub 700 on EQ FICO 5 (sigh this model has always hated me since the dawn of time).
So in process of cleaning up my life, rejoining the forum (and kicked that damned account to the curb and I will flatly refuse to use any card hwich doesn't support autopay in the future) and I get to restart another 7 year clock. Yay.
Anyway my goals at this point are just to let my scores recovered; happened at a bad time as my Tesla model 3 reservation just came up for the options I wanted (AWD, Long Range) and pulled the trigger with the second round deposit... have a few months to get that late aging which might make a difference on some scores, but other than the impending round of auto financing inquiries nothing else is planned on the horizon.
Ah well, like always, make a plan, be smart about it, and if you have things which you're just stupid about, make defense plans such that they don't impact your credit or financial life.
