Garden Club - April 2016

[tcbofade]

Good morning boys and girls.

It's almost MAY!

No real credit news to report...  No more maxed out accounts for either of us.  (DW and I)  EX, and EQ have both updated to reflect that.  TU hasn't as of a few days ago, but I will check again on Monday.

Hope y'all have a fruitful, well behaved weekend in the garden!

[tcbofade]

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@Anonymous wrote:

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@myjourney wrote:

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@Anonymous wrote:

happy friday!!!

TU dropped 3 inqs this week

update - TU: 6 EXP: 7 EQ: 6

have a great weekend!!

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Happy Friday to you as well

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30,000

congrats

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OMG...  MJ is 30,000 years old???

We FINALLY know what "MJ" stands for...  Methusala Junior.... 

[Anonymous]

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@Meanmchine wrote:

Gonna need an official ruling on this ( This might have been addressed previously but i havnt seen it )  Your rules state in part

No new tradelines of any type on one's accounts (this includes any backdated account, as they are STILL new "seedlings")

I had 6 of my credit cards "compramised"  the last few days due to identy theft.  Those accounts had to be closed and new ones opened. I am going

to try to get the account opening date to reflect the original date but i dont know if they can. Hopefully this is an exception.

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You're good. If you ever think that the rules are wrong, think about the goal of gardening. You aren't really applying for new credit. What's happening is that your CCCs are moving your accounts around for protection. In theory, you should get the same opening dates as the original accounts, but from a gardening standpoint, you haven't applied for new credit, so you're good.

[Meanmchine]

Thanks for the response.  In spite of those baddies, I did have some good news  Amazon CLI $600 to $4000 thru CS(  soft pulled )

Good way to close out the month

[Anonymous]

Congrats!

[jamesdwi]

Just checking in, and upgrading my spade. Is everyone sitting?  Yes i made a 12 months without an app. UTL still a little high at 15%, but no cards over 50%.  No Derogs, or lates. AAoA is upto 4 years and 1 month, Oldest card just over 7 years old. 

SCORES

EX  737

EQ 740

TU 760

[Anonymous]

Just checked my scores via CCT for funsies....my score jumped up 45 pts just having one card report a balance! EX 733, TU 731, EQ 730!

[driftless]

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@Anonymous wrote:

First time in the garden. Started the year with 2 secured cards from USAA and my Jeep loan with Ally Auto. Since I've added USAA Rewards Visa SL $7000, USAA Rate Advantage Visa SL $8000, AMEX HHonors SL $5000, AMEX Platinum and Lowes $800. All my scores are 690 and mid mortgage is 702. Approved for $460k VA mortgage in March at 3.1%. Closing in August so they said one HP in Late June. I guess technically I have gardened before. When things fell apart back in 2007 I had 4 CC go to collection with one judgement and a foreclosure. I just forgot that credit even existed.  I didn't check my credit again until this January. Scores were in the high 500s and low 6s. A lot of old info I got removed and here I am.

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Nice recovery! It gets better as time goes by in the garden as you actively work on your credit.

[Anonymous]

@jamesdwi... Awesome job! Congrats!

[driftless]

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@Anonymous wrote:
@jamesdwi... Awesome job! Congrats!

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+1