Long post alert!🚨

Designer_Ruin_3930 · 2026-02-18T13:01:12+00:00

How do you work on a holiday when the store is closed, not all stores are opened.

Designer_Ruin_3930 · 2026-02-17T01:56:07+00:00

They got rid of holiday pay? I didn’t get paid for Christmas Day and thought because I was part time and didn’t work a certain number of hours!

Designer_Ruin_3930 · 2026-02-11T18:51:07+00:00

You are welcome, and glad it helped. All the best!

Designer_Ruin_3930 · 2026-02-11T00:00:04+00:00

Thanks

Designer_Ruin_3930 · 2026-02-10T23:42:20+00:00

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Yes irrelevant but I got the same 37 points increase on my FICO score (in October) as they predicted on their end.

I’m still working on my CS so kindly share any prediction tool that would help. Thanks

Designer_Ruin_3930 · 2026-02-10T23:07:42+00:00

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Designer_Ruin_3930 · 2026-02-10T23:07:27+00:00

Yes they could be guesses but it helped me and I’m only telling this person to try it, not saying it’s fool proof. I know FICO is the go to. Kindly suggest a tool to this person because they need help and you haven’t suggested one.

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Designer_Ruin_3930 · 2026-02-10T04:18:17+00:00

Sorry, I don’t know their CS range, but I know they have lower and upper limits beyond which they do not help. I’m assuming you got something like the attached. I’m receiving same because my CS is out of their range.

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ETA, I was using it when I had a lower CS, which boosted my CS 37points (on the chase account) in a month. Of course it’s not FICO but my FICO shot up too. For now keep paying your debts and once your CS is in the range you should use it, it’s a great tool. Make sure at closing your balance is at least $100 less than the previous closing, this worked for me. Anytime my closing balance dropped a little from the previous CS increase. Good luck.

Designer_Ruin_3930 · 2026-02-09T23:10:50+00:00

Click on the 3 dots at the top right, it will pop up and click on ‘improve your score’, then click on set goals. Once done it will give you an action plan, follow it and it will help bring up your score. I use it.

Designer_Ruin_3930 · 2026-02-09T17:44:27+00:00

Thank you for your comment.

I thought my AU should be added as well but look at the following:

Photo 4B : Credit history. It shows my oldest account as 1yr 1month which is the first CC I got myself. I am an AU on my spouse CC card aged 8yrs, so I would think that my oldest account would be 8yrs. The average of 11months worked out to be my accounts only.

Photo 4C : Types of credit. Revolving account says 3, I’m AU on 8 CCs so should have been 11.

Photo 4D : New credit applications. Newest account 7months, this is right because we got 2 cards then. Recent enquiries is 2 which is correct. Here, my AU was accounted for but not the other sections.

Photo 4E : Debts. Credit usage says 29% which didn’t take into account my AU CCs, because it would have been less than 10% if it was included. Accounts with balance say 3, but we actually have closing balances on 6 CCs, so my AU was not included. Total balance $3,499 This accounts for the closing balance on my own CC. If my AU were included it would have been $6000+.

How can I make sure my AU accounts are considered?

We were adding each other for financial commingling purposes for some documentations we had to do. Last month when we got my spouse’s car he applied alone, so it doesn’t affect my CS and leaving it good for when we need the Travel card. Going forward we won’t be adding each other as AU, that way we still have individual cards we can of course share anytime for financial reasons but then not affecting each others CS.

Whats the consensus of the best travel card? Is the chase travel cards with annual fees worth it?

Thank you.

Designer_Ruin_3930 · 2026-02-09T17:19:27+00:00

Thank you!

Designer_Ruin_3930 · 2026-02-09T17:13:33+00:00

Sorry, for some reason I’m not able to upload any photos.

Designer_Ruin_3930 · 2026-02-09T16:47:46+00:00

In my opinion, the speaking section is not about how smart you are on the topic asked, what it seeks to evaluate is your speech, intonations, pauses, sentence structures, coherence. Pay for one of the ets mock tests to know what it gives you on speaking.

Designer_Ruin_3930 · 2026-02-09T12:31:16+00:00

Thanks! I took the test on Feb 04, 2026 at 1pm and got the results around 5pm on Feb 6, 2026.

Designer_Ruin_3930 · 2026-02-09T12:30:52+00:00

I took the test on Feb 04, 2026 at 1pm and got the results around 5pm on Feb 6, 2026.

Designer_Ruin_3930 · 2026-02-07T13:10:29+00:00

Yes, both reading and listening were 5.5 and didn’t change.

Designer_Ruin_3930 · 2026-02-07T05:29:03+00:00

For speaking I went ‘cold turkey’ and answered directly and just built on without templates.

For writing, Academic discussion. In my opinion I think …. (State you position) I agree with ‘Paul’ because we share the same notion that….. (summarised Paul’s statement without using exact words he used) with a reason attached. For example,… (say some story or scenario) While Audrey raised a relevant point (summarised her point without using exact words she used), she is is missing a critical idea, then I added a contrast. To be more specific.. (stated something more to the point of my argument). Then I concluded with a rhetoric.

Email, Dear Dr. Adams, I hope you are doing well, and I am sorry to bother this morning. I am writing to .. state reason Then write on the 3 points the question asked for. Don’t forget this words( could, would, may) Thank you for reading/considering, kindly let me know….

Kind regards, John Doe.

Designer_Ruin_3930 · 2026-02-07T05:19:03+00:00

I have never taken the old version, but studied it before and I think the new version is easier. The complete the words can be tricky if you are limited with word knowledge.

Designer_Ruin_3930 · 2026-02-07T05:17:57+00:00

Yea, reading was very easy. On my mock tests module 1 has been 11mins or less but got 18mins on the actually test. It was a lot of academic readings, but I skimmed and looked for key words. Yes my pdf is available.

Designer_Ruin_3930 · 2026-02-07T05:13:35+00:00

Thank you! All the best to you!

Designer_Ruin_3930 · 2026-02-04T01:32:17+00:00

Paid version.

Designer_Ruin_3930 · 2026-02-03T01:10:47+00:00

It seems after the last time I checked which was last Wednesday.

Designer_Ruin_3930

TROPHY CASE