Right now if it weren't for those GEMB no hard CLI requests, I wouldn't have made hardly any progress the past year on growing limits. For once it paid off to have so many GEMB cards. I have those 4 month periods marked on my calendar. Yep, its that bad. Its taken a lot longer than I had envisioned in 2007 when I first joined (as I read about all...
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Being a credit superstar
Somebody asked me the other day about all of my available credit and about doing an AOR (app-o-rama). Of course I told them this was a really bad idea these days, but if they wanted to build up a lot of credit over the course of the next year, I have followed the 3 apps every 3 months rule, and have never 1. had my fico dip, or 2. Received adverse action...
I obliged my first request for paystubs last week and received my reward in the mail yesterday. I can admit that I was expecting the worst when I read the past DCU rosefactor threads. I already had a bad taste in my mouth from an experience with Delta and Alliant. Alliant didn't want to give me a CLI at the 6 month mark due to excessive available cred...
I haven't really done a good job at the following request...."We want people who have cleaned up their credit, only to find themselves in more debt than they'd like to be and are now in serious debt reduction mode" So I decided to go ahead and try to blog about this specific topic and my own situation. As of July 2008, I had officially fin...
The overlooked "number of accounts with balance" fico formula
Posted by
TheChosenOne
,
04 April 2009
·
149 views
Here is the blog entry in which I will disect the often overlooked formula that seems to weigh the most for the particular fico scorecard I'm currently on. I realize that some if not all the vets may already be aware of this part of the fico formula. This is more for the newer members.Open Revolving accts/closed ..............with balance ...............
I have had a request to post an update on my attempt to pay down my debt. Unfortanately, the reason why its taken me so long to post it is that... well you're not going to like what I'm about to confess. Now before you get all disapointed in me, because yes my debt has increased by a significant amount, it is for a very good reason....I used to fr...
Recent Entries
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Might be time to give up on CLIs.... for now08 October 2009
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Fico and the number 320 June 2009
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Received DCU card, no CWH25 April 2009
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Finally.... about me15 April 2009
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Recent Comments
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My mounting debt (Update #1)Big-Daddy - Oct 27 2010 10:26 PM -
Finally.... about meTheChosenOne - Feb 03 2010 12:49 AM
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Finally.... about meterrellisaiah - Dec 25 2009 08:41 PM
