morpheus0327 on his journey

[morpheus0327]

I am starting this thread to thank CB at current and future milestones.

I joined CB way back in 2012, but lurked and delayed for life's reasons. I learned a worthy lesson of keeping reports derog-free then, due to a great friend who introduced me to CB.

 

However, I never got back on the boards until early June of 2017.

Started with a staggering 95% utilization on revolvers (CL ~$24K), I was buckled-up to begin my journey.

My scores were then 702 (EX), 685 (TU) and 692 (EQ) and . No prequalifiers ever knocked on my door.

 

Today, almost three months later, thanks to CB, scores are 703 (EX), 718 (TU) and 712 (EQ), utilization is ~33% (CL ~34K). Every other day I get some or the other prequal, with companies like Barclay's, :-) which I never thought would happen.

 

I got my first ever sign-up bonus (SUB) few days ago from 'AMEX Blue Everyday', same for DW too.

I was expecting $100, but they gave me $250 for some reason (DW got $100). We only did regular spend.

 

So, thank you CB!

[morpheus0327]

Good morning board.

I just hit the 'luv' on JCP Synchrony earlier today: $3K CLI. From $5000 to $8000.

Brought UT down to 31%.

[Kat58]

Good morning board.

I just hit the 'luv' on JCP Synchrony earlier today: $3K CLI. From $5000 to $8000.

Brought UT down to 31%.

 

Good Morning!!!

 

[morpheus0327]

Awww... so thoughtful! That made my day, Kat.

No you are the best!

 

Good morning board.

I just hit the 'luv' on JCP Synchrony earlier today: $3K CLI. From $5000 to $8000.

Brought UT down to 31%.

 

Good Morning!!!

 

 

Edited September 10, 2017 by morpheus0327

[Zanshiro]

That's great news. You're soon under that 30% barrier, the next major mark, keep up the great work!

[morpheus0327]

That's great news. You're soon under that 30% barrier, the next major mark, keep up the great work!

Thanks Zan, for elevating spirits!

[bigpoppa09]

Congrats.

[L B]

Thanks for sharing your journey with us. What's your current and long term goals?

[morpheus0327]

Congrats.

Thanks pops!

[morpheus0327]

Thanks for sharing your journey with us. What's your current and long term goals?

Hi LB. Thanks for going through this thread.

In fact that is the question I ask myself several times daily.

For now I only have short term goals. You can read about progress of those in another thread: https://creditboards.com/forums/index.php?showtopic=595565&hl=

I am reading, learning (and reading more) here at CB to form a decent list of long term goals.

 

On a related but different (rather bit humorous) topic, if you search credit boards for this string:

long short term goals

and click on a particular search-result entitled

Redemption - The LadyLunis story - Credit Forum - CreditBoards

 

every time you'll get a different topic when you click on that link :-)

you should be signed in and cookies must be enabled.

 

Try for yourself... maybe a 'CB techie' could 'chime in'

[morpheus0327]

Waving a thanks at CB yet again.

This time - FICO 8 of 707 on Experian. The highest Experian FICO I could remember was 706, which lasted only one day in June this year .

 

I remember that CCT used to give a 'plus' scores thingy... of which my highest ever went to 722. Of course they were FAKO's.

 

Last I checked earlier this month, FICOs on TU and EQ were 718 and 712 respectively.

I'll get my 3's at month end... so hopefully TU and EQ will see newer horizons too.

 

UT at 29.3% (can't believe it... seems like it was 95% yesterday!)

 

You all bear credit to the progress of my scores!

[Zanshiro]

No doubt you'll see new horizons under that 30% mark, and even brighter days as it slips under 10% Keep up the great work!

[cv91915]

Nice job paying down the balances! Don’t stop ‘til $2 on one card.

[morpheus0327]

Hit the CLI button on CITI Simplicity (SP only). Instant $500 increase. Now $1400.

UT now 29.0%.

[morpheus0327]

Oh... hold on a second.

When it rains it pours!

 

I hit another CLI request, now on CITI Thank you. Guess what - they gave an increase of $3500. CL now $11,430. My first 5-digit CL ever (hitherto the max was $7930 on this same card).

Which, my friends, brings the overall UT to...

26.5%

 

Total CL: $40,880.

 

CB, you rock! Sincerely.

 

New horizons indeed!

Edited September 25, 2017 by morpheus0327

[Kat58]

[morpheus0327]

[morpheus0327]

EX FICO 729 today.

:-)

[Kat58]

EX FICO 729 today.

:-)

 

I'm so happy for you

[morpheus0327]

 

EX FICO 729 today.

:-)

 

I'm so happy for you

 

 

Yeah this success is due to you...

[Kat58]

 

 

EX FICO 729 today.

:-)

 

I'm so happy for you

 

 

Yeah this success is due to you...

 

Everything I learned was from here at CB...

[Zanshiro]

Awesome job, congrats on the new limits and CLs!!! The sky's the limit!

[morpheus0327]

Awesome job, congrats on the new limits and CLs!!! The sky's the limit!

Thanks my friend!

[morpheus0327]

Discover: $500 CLI (YAHOO!!!)

 

Total CL with Discover $7200

Overall CL $41380

UT 26.2%

[Kat58]

Discover: $500 CLI (YAHOO!!!)

 

Total CL with Discover $7200

Overall CL $41380

UT 26.2%

 

Congrats!!! Did you call in to double-dip?