From the depths of subprime hell, I still rise

I've been on a credit-applying binge for a few days now. I'm on a high and I just can't stop! It all started with Providian. I received a Pre-Approved application for a platinum visa with a credit limit up to $5000.00 last week (still waiting for a response from them). Now, for those who are "in the know", pre-approved basically means you are going to get the card. The only variables are the credit limits and aprs.

Then a few days ago, I applied online for a Target Guest card (which I was previously denied by the way) and was instantly approved for $200.00! Ok, not very much, but that's the standard from what I understand. And although Target is stingy with initial credit limits, from what I hear, they are extremely generous with credit limit increases so mine should be up there in no time. My adrenaline was high so the same night, I decided to apply for a Seaman's Furniture credit card and was instantly approved for $3500.00!

Then, for the biggie. Now, I really, really doubt that I'm going to be approved for this, but yes ladies and gentlemen, I actually had the nerve to apply for an American Express Blue! I applied online and I received a message saying something like my application needs further verification and review. In short, they don't think I'm good enough :o( Oh well.... At least, now I actually have the nerve to even apply. Back in my can't-get-a-credit-if-I-gave-you-all-my-viable-organs-AND-first-born-child days, I couldn't even utter the name American Express. But as the days get brighter, and my credit gets cleaner, I'm getting bolder and bolder.

And then, just for chuckles, I decided to apply for a Home Depot credit card since hubby and I have wanted one for as long as I can remember (we just looove the place!) and BAM, instantly approved online for $2000.00! My, what a wonderful day :o) I really didn't think I would get it since I've heard it's tough to get, but I guess my stars were aligned properly. And then just to finish off, I applied for a Lowe's credit card. I got one of those messages like the one American Express gave me so I think that one was a waste of a credit inquiry. Oh well... Anyways, I will keep you posted on my road to Prime Time!


FICO Scores:
Experian - 598
Equifax - 598
Trans Union - 658

Credit Cards:
SB1 Visa - $1000.00
First Premier Visa - $250.00
Seaman's Furniture - $3500.00
Target Guest Card - $200.00
Home Depot - $2000.00
American Express - PENDING
Lowe's - PENDING
Providian - PENDING

Well, hello better credit!

My credit must be way better these days. I applied for a Target Guest card online and was approved instantly! Okay, I shouldn't get TOO excited 'cuz afterall, they only gave me a $200.00 credit limit. But shoot, that's better than a big fat "NO" that they told me not too long ago. I'm feeling so confident right now I should apply for a Seaman's card. Hubby and I went there last week and picked out a new living room and dinette sets. Total cost was $2500+ and we put down half. In cash! That's right, folks, hubby is doing big thangs these days. He is bringing is some serious cash. Serious as in our roof is fixed ($4500 --- paid in CASH!), our landscaping is going to be done ($4200 --- paid in CASH!) and Deb's guest bedroom is going to get hooked up. I'm soooo proud of my boo :o) He really is making thangs happen around here.

Anyways, we are on a home-remodeling frenzy because hubby's parents are coming to visit the week of Thanksgiving. They have never been to our home since we moved here in December, 2000 and my mother-in-law says it's about time. I guess. See, I'm really not too thrilled about all this because I just know that they are going to come here and judge the way we live. Sure we could've bought a single-family home, but a duplex was a much wiser choice. Not only are the tax benefits a plus, the income from our rental is the shat! But see, I just know they won't see those. They'll just see our tiny-azz apartment and they'll make all these crazy assumptions about us. Oh well... They can assume all they want, but I just know that hubby and I will have the last laugh. Little do they know we already have a plan in action to move into a banging-azz crib in either North Wales, Blue Bell or Malvern. Give us two years. We'll be there...

UPDATE: Application to Seaman's was APPROVED with a $3500.00 credit limit! Now, how to tell the hubby *scratching head*...

Everyone's asleep, so why am I up?

It is 1:30 am. I got in the bed around 8:00 pm with the intention of just taking a quick nap. I wanted to heat up dinner for Melvin and serve him some key lime pie for dessert when I woke up. But that didn't happen. I heard Melvin come into the bedroom around 10ish and he saying something like, "Oh, this is where you've been! I was wondering why you haven't come into the office to bug me." And I said something like, "Yeah, I've just been staring into space in here." Tried to perpetrate like I haven't been asleep all that time. And I don't know why I thought I had to lie 'cause it's not like he cares if I sleep my life away and shyt. You think that might've been guilt?

Anyways, when Melvin finally decided to get in the bed a half an hour ago, he kicked me out so he could actually get some sleep. I am an awful bedmate! I grind my teeth and I even practice karate in my sleep. Or at least I think that's what I must do 'cause Melvin tells me I like to kick him most nights.

Well, I think I'll eat my dinner now. At almost 2:00 am. Maybe watch some television. Maybe even look at some porn. Then try to hop back in the bed sometime before 4:00 am. Working night-shift really sucks balls.

GOOD SHYT OF THE DAY: The Eagles beat the Bears 19 - 9. They lead the NFL East with a record of 4 - 0. Today's game was sloppy, but it was a win nonetheless. And mah Brian (Westbrook, that is. The one I would be married to if I wasn't already married to a fabulous man) of course ran his ass off today. What else is new?

He's Just Not That Into You

Greg Behrendt, a former writer for "Sex in the City", was on Oprah a few weeks ago to promote his new book, He's Just Not That Into You. Looks like a really good book and on my list of books to read definitely.

Anyway, Greg says that men are really not that subtle when it comes to telling women how they really feel. He basically says that men communicate so much more by their actions rather than words. For instance:

1. He doesn't call when he says he's going to call: The bottom line is that when a man is interested in you, he will find the time to call you. There is 24-hours in a day. If he can't find at least 2 minutes to call, then baby, he's just not that into you.

2. "I'm not ready to commit": If a man is in love with you, he'd want to spend his life with you. He'll never want to let you go. He'll be afraid of losing you to someone else and so he'd want to step up to the plate.

Women, stop short-changing yourselves! Know that you are special. Know that you deserve more, and start acting like it. I get so frustrated when women continually put themselves in situations that allow men to take advantage of them. And then they turn around, all hurt and confused by the situation, and left with nothing to do but wallow in their sorrow. Why do you keep taking shyt from men? Value yourselves, and maybe then these men will value you.

I've Finally Given In

I've joined the blogging revolution and I am just too excited about it, dammit! My husband, The Black Polemicist himself, started his in the Spring and he had been trying to get me to start one since then but I was just too intimidated by it all. I know very little about web publishing and I didn't want to burden my poor husband with having to set up and maintain my blog so I kept postponing the inevitable. Then this morning, I woke up at 6:00 am and decided today was going to be the day. I hit Google up and tada!! Yet another blogger is born :o)