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Regular Contributor
Posts: 280
Registered: ‎07-30-2011

Re: App Spree Results!

Smiley Happy

Garden Mode... kind of... sort of (•‿•)
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012

Re: App Spree Results!

nenuco wrote:

Smiley Happy

Haha, lengthy post there nenuco...


Congrats to OP on the approvals!


Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    

     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Regular Contributor
Posts: 135
Registered: ‎01-04-2012

Re: App Spree Results!

"Heading to the Garden, just have to take a quick detour first -"


so, what's the detour....lolSmiley LOL

FICO EQ: 633 8/15/12
lender pulled 11/3/12 EQ 661 TU 650 EX598
credit Karma 674 credit sesame: 663
B/K discharged 2/2006......closed 8/2012

May your limits be high and your balances low!

Regular Contributor
Posts: 123
Registered: ‎07-22-2012

Re: App Spree Results!

Congrats OP!

Jun 2012 FICO® ~ 734 EQ
Sep 2012 FICO® ~ 684 EQ; 734 TU
Oct 2012 FICO® ~ TBA

Goal for 2014 ~760+

Trying to stay in the garden...but also trying to get as many apps as possible for now Smiley Wink
Established Contributor
Posts: 797
Registered: ‎05-01-2012

Re: App Spree Results!


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012

Re: App Spree Results!


Established Contributor
Posts: 911
Registered: ‎12-25-2010

Re: App Spree Results!

Yea it's time to kick back relax and get that util down to the single digits for a while and your score should look great!!!

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010

Re: App Spree Results!

Congratulations on your approvals, and welcome to the forums. Smiley Happy

Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012

Re: App Spree Results!


You seem to be on the right track, esp w util.... It's very important to have low util and high limits... So to reduce util , you can do the obvi by paying it off, but growing your lines will help immensely. A good goal I've learned here is truly less than 10%... more like 9%.

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
New Member
Posts: 3
Registered: ‎10-13-2012

Re: App Spree Results!

Thanks for all the love everyone. These forums have helped so much in getting my credit score on the right track. Into the garden I go. (Had to create a new login because MyFico account didn't link to the other one for some reason)

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