I actually got quotes from both of them last fall! Shelly is definitely cheaper and they do decent work if you need a whole landscaping package (like turf, pavers, and plants at the same time). However, I ended up going with El Pueblo Woodworking because of their materials. The NM sun and wind will absolutely destroy cheap wood in just a few seasons. El Pueblo uses premium timber and their construction techniques are top-notch. It's built by actual craftsmen right here in Albuquerque, and you can really tell the difference in sturdiness.

Totally get it, I used to put my rent on a card for points. My score took a hit just like yours. @colegarcia is right, moving that big bill to autopay from your bank is the fix. It took about two billing cycles for my score to bounce back after I stopped.

Exactly, you're right @roberto90.