The World Is Not Going to End

Okay kids. Stop pulling your money out of the market! The world is not going to end and the market will bounce back. If you're pulling out now, it's probably time to do some reading and research. The market does this, it's kind of a natural cycle. A mass exodus hurts you and many others. If you can't handle the news, go stick your head in the sand until things look a little more cheery. But leave your money alone?! Unless you have more than 100k in one bank...

I guess there is an upside for me. I get to buy things at a deep discount.

My 3 Points Are Back

Yeah, you guessed it. Equifax gave me my 3 points back again.. We'll see how it reacts when my new credit card posts..haha. That score has moved 10 points since 11/2007. I wonder what it needs to go up a few more points.. Maybe just a longer credit history will do it.

Experian

Woohoo!! Experian is at 788 today. That's only 12 points away from the elusive 800. OMG. Ugh. I think I need help. As if paying for credit monitoring weren't enough I now seem to have added a score every month. Sheesh. At least now I know how to google for coupon codes..

AND. Hi, grammer police? Ignore me.. haha. I got a very nice raise and today was the first day it showed up. So exciting. Of course taxes are always a kick in gut. Oh well, happy I have the income to pay them..

Ding! Another 3 Points..

I asked for a credit limit increase on my credit card (to improve my utilization) and it seems to have spurred a mid-cycle balance update. At first I viewed this as a bad thing since my score dropped as the balance increased. But then I realized my statement balance was even higher than the reported balance so perhaps that was a good thing. I guess that's not to say they won't still report the statement balance in a delayed fashion. The odd part was it said the balance increased from $0 to $148 or something. I don't think my balance has been at zero for longer than a couple of days ever? I always pay in full and shortly thereafter another charge posts.. Whatever, I don't care. I'll care when I'm loan shopping, hopefully next year.

And in other surprising news, ING posted my interest today. Happy holiday? I didn't think banks ever showed activity on holidays..