Tileguy61

Stellar...

Stellar...

nice... truth can be so delicious...

Mortgage pre-qual from NFCU

Be strong Luke... use the Force...

Fix your credit... in the long run you'll be glad you did.

if you are going to have a toy... 3 pedals is a must... what the hell are you supposed to do with your left foot and right hand when driving?

According to multiple reps I've talked to at NFCU, they have stated that CLI's are always hard pulls. They may have changed their policy after you requested your last CLI. I was just told by a CSR at Navy the other day that after account open one year you can request to be automatically reviewed for a soft pull credit increase monthly after each statement cuts. Supposedly she set my account up that way. Haven't reached a statement cut yet so time will tell. I'm at $22k and haven't asked for an increase in almost 3 years. Interested to see what happens. Navy is the only balance I carry courtesy of their one year no fee no interest offer on BT. I love Navy!

Is it for a limited time? As in several months before reverting back to the "standard rate?" Yes for 12 months. I've gotten them several times on 3 different Amex cards for 6.99%. There seems to be a cycle... endless upgrade to Platinum offers, BCP offers, lower interest rate for 12 months offers

ahahahahahaha... no... not gross at all... took a long damn time to get there...

Thanks Kat... does feel pretty good.

Reached 830 today on Equifax. It's the first time on any CRA that I've attained that on Fico 8. Experian lagging behind at 823 and TU at 817. Thank you Creditboards... wouldn't have reached this without lots of good advice. Particular thanks to the absent, but ever present in spirit Bob Wang, and Konrad and CV and Mendel. All cut through the BS and tell it the way they see it.

Inquiries are part of new credit, and utilization maps to amount owed in that pie chart. ok, but just because you receive an inquiry doesn't mean you're getting a new credit account. And you can have 50k in reported revolving debt and only be at 20% utilization if you have 250k in lines. It's too generalized IMO, but I get it. But there needed to be a disclaimer that there are more factors. Theres also other things like number of accounts with a balance, etc. Inquiries are as good as meaningless for FICO scoring. These explanations are always dumbed down for the least sophisticated consumer. I don't get it... What of the following is easier to explain to your cousin Cooter? "Amount owed" or "Total utilization* across all credit cards, the number of cards at various individual utilization* levels, the number of cards with balances compared to the number of cards without balances. The more cards with balances reporting the lower your score, but if all cards report a zero balance this also lowers your score." * Utilization is the balance reporting** on a revolving account divided by its credit limit, except in the case of charge cards which have no preset spending limit. Also, cards over $4x,xxx also do not count for utilization calculation for some FICO models. ** Some cards report balances as of the statement date, others report as of a fixed day of the month (often the last calendar day). ---- etc." Cousin Cooter says... "huh"?

Inquiries are part of new credit, and utilization maps to amount owed in that pie chart. ok, but just because you receive an inquiry doesn't mean you're getting a new credit account. And you can have 50k in reported revolving debt and only be at 20% utilization if you have 250k in lines. It's too generalized IMO, but I get it. But there needed to be a disclaimer that there are more factors. Theres also other things like number of accounts with a balance, etc. Inquiries are as good as meaningless for FICO scoring. These explanations are always dumbed down for the least sophisticated consumer. I don't get it...

AAOA doesn't mean squat... you did well and did not jump the gun.

Took 3 years to get to get comfortably into the 700's. Thanks to this forum I was extremely active once I reached 700. Took another 5 years to get into the 800's while waiting for a stubborn baddie to drop off.

It's possible someone thought a test refund would look less suspicious for that very reason... The risk to you would be, if a fraudulent charge hit and Amex froze your account at an inconvenient time you could miss a recurring payment. I think you made the right call. Very astute observation. I never thought of that. Would definitely raise a red flag with me. Of course, I'm a bit of a conspiracy theorist... if we can think it, it's possible.

Sometimes you gotta shake your head...

CONGRATS!!!!!!!!!

you can see them if you squint and hold your breath

It is all business debt which is perpetually reinvested. Our revenues are up over 1500% since five years ago... so it is working. Sweet... business runs on OPM Carry on...

Congrats! It's a great feeling!

must be targeted... I don't have the offer... the only value the card has for me are age and util padding... one of my first rebuild cards... started at $2500 and now at $14900

TG - do you have a history of large balances reporting? I'm still in PIF-before-the-statement-date mindset, from my rebuilding days. So this was the first time any of these accounts have reported large balances (and especially all at once). I think Konrad was a similar scenario. I recall some people reporting that their FICO's appeared to became less reactive to balances reporting after they had established a history of balances reporting. I've let balances report as high as $16,000 on a single card. But it was still only 35% util on that card. The most cards I ever allowed to report a balance at once is 5. I've also never let reporting total util go over 7%. This will be the first time I've ever had total report at 9% or higher since 2012. I'm interested to see what happens. Maybe nothing. If all cards still report at 805 or higher I'm going to app a card and see what that does.

I have one card reporting 28% util and another reporting 26 % util. Overall 7%. EQ reporting 828 and hasn't budged for a couple months even with a third card reporting < 1% added to the mix. EX reporting 820 & TU the lowest at 812. I'm going to let another card report at 9% this month and see if that will take me below 800. Overall utility will be at 9%.