Garden Club - April 2016

[EdMan63]

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@Anonymous wrote:

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@baller4life wrote:

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@Anonymous wrote:

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@baller4life wrote:
Morning Clubbers! Tomorrow marks 4 months in the garden for me. Longest ever since I started rebuilding almost 3 yrs ago! That's actually pretty sad! Anyhoo hope everyone has a great month of gardening!

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Looking at your scores, they are very similar to mine. What gives with Equifax being so much lower?

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EQ has one old baddie that will fall off in a few months. It's hanging on for dear life!

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You sure it's not already gone? I'm a firm believer that EQ drops the  first day of the month before the credit report says it will fall off. 

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That's what I'm counting on. So June 1 if I don't get an alert, I'm callin!!!!!!!!

[MissMoni223]

Happy April 1st Fellow GC Members!

This month will make 8 months that I've been here.  My FICO credit scores have greatly improved since applying what I've learned on this site.  I came here in March 2014 and my scores have only gotten BETTER.  I'm currently at 671 (EQ) and 665 (TU) and I couldn't be more excited about my progress.  To the newcomers, it is doable and the results are totally worth it.  Keep your credit goals in mind and think before you app. I also CLOSED 2 store cards last month (Children's Place & Justice).  I've decided to review my store cards quarterly to see who gets the ax!  THIS is a GREAT place to be for improving your credit.

[Anonymous]

Staying with keeping myself accountable....

I have been inquriy free 13 out of the last 24 months.

                               Experian          Transunion          Equifax

2016

3/2016                         0                      0                          0

2/2016                         0                      0                          0
1/2016                         2                      4                          3

2015
12/2015                       1                      2                          4
11/2015                       0                      0                          0
10/2015                       0                      0                          1
9/2015                         0                      1                          0
8/2015                         0                      0                          0
7/2015                         0                      0                          0
6/2015                         1                      2                          2
5/2015                         0                      0                          0
4/2015                         1                      1                          1
3/2015                         0                      0                          0
2/2015                         0                      1                          0
1/2015                         0                      6                          8

2014

12/2014                      0                       0                          0

11/2014                      0                       0                          0

10/2014                      0                       0                          0

9/2014                        1                       0                          0
8/2014                        1                       1                          1

7/2014                        0                       0                          0

6/2014                        0                       0                          0

5/2014                        0                       0                          0
4/2014                        1                       0                          0


**** Happening soon *** Refi mortgage from a FHA 30 to conventional 15

[Anonymous]

T minus 19 days and counting to the six month mark. I'm already warming up my app finger.

[CreditCuriosity]

Afternoon all...I must replant myself her.    TGIF!  

[Anonymous]

remember to refresh yourself on what constitutes leaving the garden, CC lol.

[CreditMagic7]

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@Anonymous wrote:

T minus 19 days and counting to the six month mark. I'm already warming up my app finger.

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Almost time to bust loose?

[iheartwings]

Aloha, and good morning, GCers.

I've been spending the week in Maui, and while enjoyable, I'm looking forward to getting back to the mainland. 

Other than last month's Discover CLI, no new credit news, and my scores remain stagnant. My Citi DC will be 6 months old this month, so I'm hoping that the SP CLI option will pop up. Otherwise, I'll be celebrating 6 months of gardening on the 12th. 

Happy gardening, everyone. 

[Kidcat]

Checking in for April.  Won't be budging for a long while, especially since I have high util on Lowes, taking advantage of their 5.99% financing for my kitchen remodel.  If nothing else, that will make me stay in the garden until I get it paid down.

[hpotterfan77]

I fell completely out of the wagon in March.  Bought a new car and got approved for an Amazon card.  I tried...I really did.  I swear I will stick it out until that least October...lol