Can you feel it???

Moonlitebiker · 10-31-2009, 02:06 PM

Oh man the excitement is building! I've sold my motorcycle and am in the process of selling my generator. I'm already liquid enough to close a deal once I get my loan approved. Going to pay down the credit cards this week to less than 25% and bump up my perfect payment history credit score, then hit the credit union to try and pull in a loan lower than the 6% I was offered when my cards were maxed. Seems the new credit laws work against you if you run them all the way up and pay them all the way off each month. If they take a snapshot of them at near max levels your score falls faster than my pants on date night.

I'm getting so close!!!

Sorry for the worthless post. I just had to tell someone who can appreciate what I'm feeling.

Matt · 10-31-2009, 02:08 PM

Good stuff. Making those changes to your credit will help in more ways than just preparing for the Z.

Good luck.

Moonlitebiker · 10-31-2009, 02:13 PM

Quote:

Originally Posted by Matt

Good stuff. Making those changes to your credit will help in more ways than just preparing for the Z.

Good luck.

Yes but is there anything else as important? LOL, thanks Matt!

Matt · 10-31-2009, 02:16 PM

Quote:

Originally Posted by Moonlitebiker

Yes but is there anything else as important? LOL, thanks Matt!

Good point!

junior_jam · 10-31-2009, 03:20 PM

This is the reason why it's good to have high credit limits and use your credit wisely. This way, your total utilization percentage stays low.

For example, owing $5,000 on a card with a $6,000 limit is bad. Owing $5,000 on a card with a $25,000 limit is not. You owe the same amount of money but your utilization percentage is much lower.

Have you tried for PenFed's 3.99% loan?

370Zsteve · 10-31-2009, 03:30 PM

I can FEEL IT my brotha! I can FEEL IT!!!!!!!!!!!!!!!!!!!!

Moonlitebiker · 10-31-2009, 03:31 PM

Quote:

Originally Posted by junior_jam

This is the reason why it's good to have high credit limits and use your credit wisely. This way, your total utilization percentage stays low.

For example, owing $5,000 on a card with a $6,000 limit is bad. Owing $5,000 on a card with a $25,000 limit is not. You owe the same amount of money but your utilization percentage is much lower.

Have you tried for PenFed's 3.99% loan?

I'm actually waiting to try them until mid week when I'm paid down. I can hit 15k a month on the card because I run a load of business through it to get the points, but I always pay it down every month. I just made the mistake of having them check my credit mid month. Won't make that mistake again!

Moonlitebiker · 10-31-2009, 03:31 PM

LOL! I knew you'd feel for me brother!

370Zsteve · 10-31-2009, 03:33 PM

Quote:

Originally Posted by Moonlitebiker

LOL! I knew you'd feel for me brother!

The LORD wants YOU to have a Z my brotha!

10-31-2009, 02:06 PM	#1 (permalink)
Moonlitebiker Base Member Join Date: Oct 2009 Location: Orlando Posts: 48 Drives: A hard bargain Rep Power: 16	Can you feel it??? Oh man the excitement is building! I've sold my motorcycle and am in the process of selling my generator. I'm already liquid enough to close a deal once I get my loan approved. Going to pay down the credit cards this week to less than 25% and bump up my perfect payment history credit score, then hit the credit union to try and pull in a loan lower than the 6% I was offered when my cards were maxed. Seems the new credit laws work against you if you run them all the way up and pay them all the way off each month. If they take a snapshot of them at near max levels your score falls faster than my pants on date night. I'm getting so close!!! Sorry for the worthless post. I just had to tell someone who can appreciate what I'm feeling.

10-31-2009, 03:30 PM	#6 (permalink)
370Zsteve A True Z Fanatic Join Date: Sep 2009 Location: Gold Coast CT Posts: 10,599 Drives: 2019 Corvette G.S. Rep Power: 43	I can FEEL IT my brotha! I can FEEL IT!!!!!!!!!!!!!!!!!!!! __________________ SOLD MY Z MARCH 2018 - another Core OG moves on - new ride 2019 Z Corvette Grand Sport - no mods necessary but already have eyes on HFC and intakes LOL IT NEVER ENDS.

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10-31-2009, 02:08 PM	#2 (permalink)
Matt A True Z Fanatic Join Date: Oct 2009 Location: Augusta, GA Age: 41 Posts: 1,680 Drives: 2010 Avalanche LT Rep Power: 19	Good stuff. Making those changes to your credit will help in more ways than just preparing for the Z. Good luck.

10-31-2009, 03:20 PM	#5 (permalink)
junior_jam Base Member Join Date: Sep 2009 Location: NC Posts: 93 Drives: 09 370Z Rep Power: 16	This is the reason why it's good to have high credit limits and use your credit wisely. This way, your total utilization percentage stays low. For example, owing $5,000 on a card with a $6,000 limit is bad. Owing $5,000 on a card with a $25,000 limit is not. You owe the same amount of money but your utilization percentage is much lower. Have you tried for PenFed's 3.99% loan?

10-31-2009, 03:31 PM	#8 (permalink)
Moonlitebiker Base Member Join Date: Oct 2009 Location: Orlando Posts: 48 Drives: A hard bargain Rep Power: 16	LOL! I knew you'd feel for me brother!