Confused as to when to buy all 3 scores.

[MidnightVoice]

OK, so I am not apping for any more credit, and very little good will be happening to my CRs in a hurry, just ageing, so when all my new credit finally reports I figured I ought to get all 3 reports and scores.

That will be March.  But if I wait until April, my Juniper will be a year old.

But then if I wait until May, I will see if I get an anniversary CLI from Junny.  (And if I don't I will ask for one).

But then if I wait until June, I will have 6 months on Amex and my HELOC will be a lot lower, and I can see if EX likes me and apply for an Amex CLI.

But if I wait until July, by extra special tax rebate may well have hit my HELOC (my most expensive loan) which will make EX even better.

But if I have been denied by Amex, I would be better to wait until August.

But if I wait until August, another inq is due to drop.

Then come September, Another TL gets a year older.

But in October, another Inq drops.

Then come November, it is only a month until Amex and Car get a year older.

But then it will be Christmas, and I won't be able to afford it.

So come January, I will be waiting for a CC to get a year older.......

What to do?  help!!

[llecs]

Why do now what you can put off until later?! There's always next year.

[Anonymous]

OMG! I have the exact same thought processes! LOLROTFLMAO!.

You can drive yourself crazy going down that road, fer sher!

Pull the reports in March, after all charges and payments have posted. Then bite the bullet, grin & bare it, and hunker down till end of June, then pull them again.

Once a calendar quarter. That's my plan. Now whether I stick to the plan or not, is another matter. lol

[haulingthescoreup]

Oh, cough up and pull your scores! We all want to know, even if you don't.

So, I gotta ask, water polo????

[MidnightVoice]

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@haulingthescoreup wrote:
Oh, cough up and pull your scores! We all want to know, even if you don't.

So, I gotta ask, water polo????

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Water Polo through undergraduate and part of graduate school

[MidnightVoice]

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Sylviatob wrote:
OMG! I have the exact same thought processes! LOLROTFLMAO!.

You can drive yourself crazy going down that road, fer sher!

Pull the reports in March, after all charges and payments have posted. Then bite the bullet, grin & bare it, and hunker down till end of June, then pull them again.

Once a calendar quarter. That's my plan. Now whether I stick to the plan or not, is another matter. lol

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Well, Toyota is on all three as of today, but Amex has only made its way to TU at the moment, which is really odd

[tryingtogetitrightnow]

hey midnight,

You could also sign up for either Scorewatch (monitors your report daily) or quarterly monitoring (monitors your report every 3 months).

[MidnightVoice]

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tryingtogetitrightnow wrote:
hey midnight,

You could also sign up for either Scorewatch (monitors your report daily) or quarterly monitoring (monitors your report every 3 months).

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I have scorewatch for EQ already 

[Anonymous]

It's Friday and the weekend. Immerse yourself in your favourite indulgence, and have 4 pitcher's of margarita's. Time will pass quickly and before you know it Monday, and you can check then! LOL

[haulingthescoreup]

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@Anonymous wrote:
It's Friday and the weekend. Immerse yourself in your favourite indulgence, and have 4 pitcher's of margarita's. Time will pass quickly and before you know it Monday, and you can check then! LOL

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Good Lord, with four pitchers of margaritas on board, I guess it would!

OK, MV, just do like the rest of us and buy them every four and a half days. We need to keep FICO from starting layoffs.