@Anonymous Welcome to the community.
Read the link @M_Smart007. It's a great primer.
If you haven't done so, check out the other sub forums such as Understanding FICO Scoring, Mortgage Loans, Rebuilding Your Credit, etc. There is a treasure trove of information there, waiting to be discovered by you.
If you have any questions, feel free to post up. The members here are friendly and knowledgeable.
EX2 + 3 Bureau scores and reports for $1 at Experian or CreditCheckTotal (part of Experian). Cancel in 7 days or less to avoid the reoccurring charge.
TU4 WyHy quarterly score. Not sure on membership requirement. Maybe hard pull TU?
EQ5 Get a savings account with DCU. Soft pull EQ to be a member. Free monthly score. 6.17% APY on savings account.
You can also obtain your 3 bureau mortgage scores at FICO Advanced . Cancel plan after you obtain your scores and reports to avoid re-occurring monthly charge.
Welcome!
Staying on the right track, maintaining timely payments and trying not to get into serious debt. Struggling to figure out whether to allocate money to pay off debts or use money for home improvement. But overall doing well well, staying focus on achieving healthy credit and a higher score
@Caramelhunnyva wrote:Staying on the right track, maintaining timely payments and trying not to get into serious debt. Struggling to figure out whether to allocate money to pay off debts or use money for home improvement. But overall doing well well, staying focus on achieving healthy credit and a higher score
Get your challenge! Need to be debt free to minimize spending on interest. Also, one needs to do home improvements. Balancing that right now as I hit the remodeling hard. Good luck on your endeavors! 
@Anonymous wrote:
Also, one needs to home improvements. Balancing that right now as I hit the remodeling hard. Good luck on your endeavors!
What's up Dino?
I got my spade finally. There's been a lot of backsliding to get this little sucker. Of course now that I'm behaving, all of a sudden I'm getting decent offers via snail mail. Evil timing. Just like today I got a Chase offer on a card I've wanted for a looooooong time. #sufferingsuccotash
Enjoy the remodel! Hopefully it'll be complete before the long winter's naptime.
@GApeachy"#sufferingsuccotash"
Congrats on your credit goals and bronze spade! ..
Hard to believe I will have a bronze spade in 2 days
They usually don't last to long, but there is nothing I need right now.
Sync culled the herd for me. Probably best just to let things age. (like me
)
@M_Smart007 wrote:@GApeachy"#sufferingsuccotash"
Congrats on your credit goals and bronze spade! ..
Hard to believe I will have a bronze spade in 2 days
They usually don't last to long, but there is nothing I need right now.
Sync culled the herd for me. Probably best just to let things age. (like me
Well Ain't We Just.....
@GApeachy wrote:
@M_Smart007 wrote:@GApeachy"#sufferingsuccotash"
Congrats on your credit goals and bronze spade! ..
Hard to believe I will have a bronze spade in 2 days
They usually don't last to long, but there is nothing I need right now.
Sync culled the herd for me. Probably best just to let things age. (like me
Well Ain't We Just.....
@GApeachy, But at least you can say "You've been gardening longer than me"
On the 1st of the month, my AAoA will be 2.5 years, really want to hit that 2.6 year mark.
The myFICO app'ing affect, brought it all the way down from around 8+ AAA
I have no "regerts" ...have added quite a bit of TCL and some great SUB's
It has been my goal to get the portfolio weighted with so many accts.
that when I do apply, I won't take a hit to my AAoA.
I do have 3 major SUB cards in mind , but that is like a year down the road.
want to let the rest of scoreable inquiries become unscoreable, and most of the 24 month Inqs. to drop off.
Let things age a bit, so I can get the best results. Plus the lending environment is not overly friendly right now.
@M_Smart007 Oh yeah, I've got you beat by what?....2 days?!? 2 days since last app or something like that. We R Baad!