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Frequent Contributor
Posts: 312
Registered: ‎06-02-2016

Re: Garden Club - April 2017

[ Edited ]

Good morning all,

 

I was doing so well with my Silver Spade then got excited because I saw three green checkmarks in my Chase "selected offers for you." I'm actually mad, super mad at myself for taking the plunge since I didn't need the credit for anything. My utilization is already low (4%) and I had even received 2 SP CLIs: $1.5K from Disco and $1.3K from Chase FU. So back to the garden I go Smiley Sad and no more unnecessary splurging for me. Really, I'm just shaking my head in disbelief that I did this. The card will be SD.

 

Congrats and high five to everyone who stayed strong and true to their credit profiles.


Starting all over again until 12-8-2018.
NFCU Sig $16.5K || Discover IT $5K || Macy's $5K || NFCU Plat $4K || Chase FU $4K || CitiCostco $4K || CitiDC $3.3K || Chase Slate $1K || NFCU CLOC $1K
Senior Contributor
Posts: 3,658
Registered: ‎09-26-2011

Re: Garden Club - April 2017

Goooooooooood morning boys and girls.  Happy April!

 

Paid off one installment debt yesterday, paid off one credit card...and still have a few dollars left over to add to savings.

 

On Monday, I'll pull all three Fico 8 scores for DW and I, and we're hoping to see a nice boost with zero inquiries and zero new accounts for six months.

 

No firm end date in sight, still thinking that I'll just spend 2017 hiding from new accounts.  Smiley Happy




Last App: 09/26/16.

Zero percent financing is where the devil lives...
Regular Contributor
Posts: 122
Registered: ‎12-13-2015

Re: Garden Club - April 2017

[ Edited ]

I planted my seed yesterday and now I'm embarking on Day 1 of 730 days of gardening. The first 30 days are the hardest, right????

My focus in the garden is to mature my profile with continued PIF payment history, < 10% overall utilization and SP CLIs (Q4 17).


Gardening since Apr '17
Last account opened Nov '16
Starting Score:low 600s
Current Score:640 to 680
Goal Score:740 to 770


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Established Contributor
Posts: 1,002
Registered: ‎05-26-2013

Re: Garden Club - April 2017

[ Edited ]

Happy April Fools Gardeners....dont get "fooled" by high interest rates!!  LOL  See what I did there? Smiley Happy  STILL waiting for my Platinum replacement, was supposed to be here yesterday nada, called and they said Monday, great I leave on a business trip early Monday, oh well, THEN this morning UPS sends email says it should deliver today - was delayed due to severe weather.....Well if this is the only issue I have today IT WILL BE A GREAT DAY!!

New Contributor
Posts: 55
Registered: ‎07-06-2015

Re: Garden Club - April 2017

Gotta start over gardening since I picked up 2 cards last month. Staying in the garden for 24 months, no exceptions 🙃😉


TU8-745, EQ8-655, EX8-730
$89.5k Available Credit; 3% utilization

M.Ed. NCC, LPC-I TU8 745; EQ 675; EX 747 3% utilization Amex BCP, Delta, ED; Discover It; Chase Amazon Prime & Disney; Barclays Rewards & NFL, Quick Silver, Marvel, BOA, Store Cards; Total $89.5k


Super Contributor
Posts: 8,597
Registered: ‎10-03-2008

Re: Garden Club - April 2017

Gardening now. Slipped out to grab a USAA Limitless Cashback Rewards VS (said I would if if became available) in March. Now I need to let my scores settle and hopefully grow.
Starting Score: 848
Current Score: 829
Goal Score: 850


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New Contributor
Posts: 132
Registered: ‎05-06-2008

Re: Garden Club - April 2017

04/11/17 = One Month

 

Excited about my one month garden anniversary!  Can't wait to receive my Bronze Spade.

 

As I reported in the March thread, just focusing on eliminating my student loan debt this year.  So far, so good.  Looks like I will make that goal with no problem - hoping it will happen in October vs December!

 

Nothing new on the credit front.  May seek some SP CLI on my existing cards but no urge to app for anything new. 

Frequent Contributor
Posts: 465
Registered: ‎06-12-2016

Re: Garden Club - April 2017

Happy April everyone! April is the best time to garden, isn't it?

 

So, I was poking around checking things out yesterday for me and for DH. I checked his free score from Discover score card and something seemed to be missing, but they only show a summary. So off I go to the Experian web site. BTW- did y'all know you can get a free report from them EVERY MONTH? No score there, but you can actually view your report. So between Experian and CK you can keep an eye on all of your reports for free. And you can get your free  ex FICO from Discover scorecard.

 

Anyway, back to the story. So I go to EX and check hubby's full report- no foreclosure! Smiley Very Happy I go back to mine from 5-6 days ago and it is there. So it looks like it has fallen off of the first report. Happy dance, happy dance!!! It should be off all 3 in July.

 

No news on the CLI front either. I think both AmEx and Discover are about 10 points below their CLI threshold due to my balances. Still working on getting those paid back down. 

 

Gold spade coming 4/9 Smiley Happy




Stepped out of the garden 10/9/16

Valued Contributor
Posts: 1,192
Registered: ‎06-13-2016
0

Re: Garden Club - April 2017


tidegirl wrote:

Happy April everyone! April is the best time to garden, isn't it?

 

So, I was poking around checking things out yesterday for me and for DH. I checked his free score from Discover score card and something seemed to be missing, but they only show a summary. So off I go to the Experian web site. BTW- did y'all know you can get a free report from them EVERY MONTH? No score there, but you can actually view your report. So between Experian and CK you can keep an eye on all of your reports for free. And you can get your free  ex FICO from Discover scorecard.

 

Anyway, back to the story. So I go to EX and check hubby's full report- no foreclosure! Smiley Very Happy I go back to mine from 5-6 days ago and it is there. So it looks like it has fallen off of the first report. Happy dance, happy dance!!! It should be off all 3 in July.

 

No news on the CLI front either. I think both AmEx and Discover are about 10 points below their CLI threshold due to my balances. Still working on getting those paid back down. 

 

Gold spade coming 4/9 Smiley Happy


That is awesome, tidegirl! Congratulations on your progress! Smiley Happy

Current Scores------ EQ 689; TU 658; EX 687 FICO 08---------------- Last app 04/12/17
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

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Frequent Contributor
Posts: 425
Registered: ‎06-25-2013

Re: Garden Club - April 2017

Hello everyone. What a great weekend ahead. Final Four plus Wrestlemania! Food is cooked, phone is off, ready to roll!

If a man empties his purse into his head, no one can take it from him. An investment in knowledge always pays the best interest. - Benjamin Franklin |Capital One Quicksilver Cash Rewards|Chase Amazon Visa Rewards|BOA Cash Rewards|Walmart Mastercard|Commence MC| Citi Double Cash| Amazon Prime Store Card|Discover It|Chase Freedom|Chase Freedom Unlimited
$52,300 total card credit FICO Equifax-799, FICO Transunion-776, DTI-3.3%

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