morpheus0327 on his journey

[morpheus0327]

About to do that, trying to squeeze time. Had to step out for some errands...

 

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[Kat58]

BTW, DD'ing is just an expression. Try to get a lot more and explain what you plan to do.

[morpheus0327]

Another $1k!!! They offered hard pull to go further... I said I'm happy with $8200 for now.

 

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[Kat58]

[morpheus0327]

BTW, DD'ing is just an expression. Try to get a lot more and explain what you plan to do.

Yes I remembered you mentioned that before.

 

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POW!!!!

 

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[morpheus0327]

More news.

Chase Freedom gave me auto CLI... very quietly... worth $2500, making its CL go to $8900. I've been stuck at $6400 for years!

Total CL: $43,880

Overall UT: $24.7%.

 

This makes it $10K in a month. That's huge for a newbie.

 

I am so bent on paying it all off.

[Zanshiro]

Under 25%.... and heading towards 10% -- Woot! Congrats.

[Kat58]

That's Wonderful!!!

 

Have you initiated your BT plan?

[tobettercredit]

Admirable job.

[morpheus0327]

Under 25%.... and heading towards 10% -- Woot! Congrats.

Thanks bud!

 

That's Wonderful!!!

 

Have you initiated your BT plan?

Thanks Kat for your guidance all along. Yes I initiated that as soon as Discover gave the extra $1k. It is underway.

The remaining plan is also same as before.

 

Admirable job.

Thanks - yeah, here's to better credit.

[morpheus0327]

OMG - just checked CCT. Last week it was 729. I am speechless....

my heart almost skipped a beat... several beats rather.

 

 

Sincerely don't know what happened - all CCT parameters are same as before, (perhaps they need to update 27% usage to 24%...)

 

CB, you are unbelievable!

[morpheus0327]

Haha... ok ok figured out.

It's nothing but a technical gliche..

Basically a balance transfer caused 0 funds to report across donor and acceptor. That brought down usage from 27 to 12%.

 

Nevertheless, that target looks really good and worthy to work on.

[Zanshiro]

Aye, those glitches make it look amazing...when I just transferred mine to the 0% cards, mine reported a nice 2%, and spiked up to 835. So I guess I know the general area I'll fall in once the paydowns are complete! Great job on yours!

[Kat58]

Haha... ok ok figured out.

It's nothing but a technical gliche..

Basically a balance transfer caused 0 funds to report across donor and acceptor. That brought down usage from 27 to 12%.

 

Nevertheless, that target looks really good and worthy to work on.

 

Not a glitch... just the way it works.

 

Some people do this on purpose prior to a new app.

[morpheus0327]

Citi gave me two balance transfers:

Find 10 differences...

 

[Jon77]

Citi and BOA have been handing me those offers like candy, however I'd rather open another card with 0%/$0 transfer than absorb that 3% fee they tack on.

[Zanshiro]

I'm waiting on NFCU to hand me some BT offers...I keep seeing posts here and checking my mail, but alas, nada!

[Kat58]

Citi gave me two balance transfers:

Find 10 differences...

 

 

Haha... One gives you 3 extra days.

 

OP has BT's covered at the moment

[morpheus0327]

Crossed 50K point with overall CL today after approval of the 5.5k Amazon chase. Thanks CB.

 

I'll now wait to get to the $2 mark before denting my credit reports. Long road...

 

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[Kat58]

Crossed 50K point with overall CL today after approval of the 5.5k Amazon chase. Thanks CB.

 

I'll now wait to get to the $2 mark before denting my credit reports. Long road...

 

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Congrats and a good plan!

[Zanshiro]

Long road bit diligence is well rewarded!

[morpheus0327]

After Capital One's CLI of 1K, ($2.25k to $3.25k)

Overall CL = $51,380.

[morpheus0327]

A yet another milestone on Morpheus' journey.

After JCP's CLI, of 7K, total CL $58,380

UT = 18.8%.

 

If there were no CB's... I'd have never asked for CLI on website - (won't have been denied) and won't have courage to call Credit solutions then Underwriter - two times in 1 day, negotiate and confidently get approved.

 

I still remember, 3 months ago, I made my first call to recon a CLI and had no clue what I was doing. Basically I was stumbling over the phone, not knowing what to say.

 

CB, you are great!

Edited October 11, 2017 by morpheus0327

[cv91915]

A yet another milestone on Morpheus' journey.

After JCP's CLI, of 7K, total CL $58,380

UT = 18.8%.

 

If there were no CB's... I'd have never asked for CLI on website - (won't have been denied) and won't have courage to call Credit solutions then Underwriter - two times in 1 day, negotiate and confidently get approved.

 

I still remember, 3 months ago, I made my first call to recon a CLI and had no clue what I was doing. Basically I was stumbling over the phone, not knowing what to say.

 

CB, you are great!

Good job staying on it. Nice to see the results!

[morpheus0327]

My little baby didn't seem to like Credit One.