- Platinum Member
- Posts: 94
- Joined: Thu Feb 06, 2014 11:01 am
- Location: TX
Definitely back in the garden now. I seriously don't see any other cards I'd want. I'm already more than halfway to my AmEx Platinum sign-up bonus spend ($1700 out of $3000) after only having it three days. Had to buy new tires for the truck (dually, so 6 tires) and have been putting other spending on it exclusively already.
Still waiting on my CSP to arrive. Actually, it is probably already in my mailbox, but since we travel all the time, I have to get my mail forwarded to me wherever I am. Last shipment was last Friday, so I suspect it may be sitting in my box now (especially since they emailed me and indicated it had shipped).
Also decided to garden for a while based on my actual FICOs (I broke down and signed up for the 3 bureau service). I knew CreditKarma was typically on the liberal side (it still maintains that I have a 780 score based on TU), but didn't realize by how much. Also, recent apps have dropped my EX score down close to 700.
From a recent pull of all three credit reports, I see that EQ and EX still have a few of my old 30 days hanging around (they've dropped off of, or were never reported to, TU). These were back in the '07 to '08 time-frame, so I suspect they'll start filtering off soon. Any other negatives have fully dropped off all three bureaus.
I am curious about one thing. On the FICO scoring app, it suggested that paying down my loan balance (my truck) further would raise my score. I'm currently at about payment 15 out of 60, or about 1/4 the way done. Current balance is about 75-80% of what I borrowed. I have money I could drop on it (actually I could pay it off), but it is currently invested and the market is making more for me than the interest rate on the loan.
AmEx - Platinum (NPSL) , Blue Cash Preferred ($19,000), Gold Delta Skymiles ($8,500)
Chase - Sapphire Preferred ($14,000), Disney ($11,500), Amazon.com ($9,000), Freedom ($8,000)
CapOne - QuickSilver ($7,250) / Platinum Rewards ($7,250)