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Senior Contributor
Posts: 4,674
Registered: ‎03-23-2014

Re: Garden Club - August 2017

Happy August Fellow GC Members!!!

 

I'm still here and OFFICIALLY in the 700 Club!!! I'm soooooo EXCITED!!! Gardening works.  So does discipline, self-control, and budgeting.  Stay focused on your credit goals. Smiley Happy

Last App: 4/6/16
Gardening Until Further Notice
12 Credit Cards (6 Major Banks & 6 Store Cards)
No AF's/Overall Utilization Hovers around 4%
Established Contributor
Posts: 529
Registered: ‎11-07-2016

Re: Garden Club - August 2017

Checking in for August. My last app was a day short of 6 months but I'm picking up my gold spade as of today though I'm not sure how long I'll be carrying it... July brought my TU08 to an all-time high of 751 and I now have a $5k card from SP CLI's. All is well!


TU FICO 8: 751 (7/17) — Ex FICO 8: 734 (8/17)
Community Leader
Super Contributor
Posts: 8,909
Registered: ‎05-25-2015

Re: Garden Club - August 2017

Checking in for August. My rebuild is a little over two years old. This month four more HP will fall off my reports. Very happy about that. Smiley Happy

 

Congratulations to everyone on your progress. Together we will make it to our goals! 


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover; NASA Platinum Cash Rewards
Established Contributor
Posts: 721
Registered: ‎06-27-2016

Re: Garden Club - August 2017

Present!!!!! Back in Aug. As seedling base on technicalities ....😵


LOL



wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedAmexBCE&ED|Freedom|NFCUcc&CLOC|Wells|Cash+|ElanFin.|Dia'md prefer.|Gardening since 6/23/2017|TOTAL CL$104.7K !!!NOIIICE!!!
New Member
Posts: 1
Registered: ‎04-06-2016

Re: Garden Club - August 2017

It's been two years of rebuilding credit and I'm ready to garden for a long while...

 

Started with a secured $200 limit Capital One card, ended with an Amex Platinum and a car loan through MBFS at an amazing rate.  From mid 500's to mid 700's in two years....this place was a huge part of that.  My total available credit as of today is ~60k, util is less than 5%.

 

Time to let my AAoA mature, lets these inqs fall off, and just.....relax for a while.

Valued Contributor
Posts: 1,217
Registered: ‎03-23-2014

Re: Garden Club - August 2017

Checking in for August.  Nothing new on the financial front.  I do have a problem though, my 13 year old car is beginning to give me some problems.  So, I have started looking on line at 2015 cars.  Darn, I don't want a car payment, but might have to bite the bullet.  Will hang on as long as I can.  Will be checking more scores to see if they have gone up any.

July 2017 Scores - EQ 813 | TU 777 | EX 787 | ~~Started Gardening Again on March 21, 2017
Established Contributor
Posts: 940
Registered: ‎07-01-2016

Re: Garden Club - August 2017


IncrsCreditScore wrote:

Checking in for August.  Nothing new on the financial front.  I do have a problem though, my 13 year old car is beginning to give me some problems.  So, I have started looking on line at 2015 cars.  Darn, I don't want a car payment, but might have to bite the bullet.  Will hang on as long as I can.  Will be checking more scores to see if they have gone up any.


Are the problems with your old car more expensive than a new car payment? I have a '90 DeVille and I wouldn't trade that car for anything in the world!! 


Valued Contributor
Posts: 1,217
Registered: ‎03-23-2014

Re: Garden Club - August 2017

I don't know, Gardener.  One thing that happened it our recent rash of rains is that there is a leak somewhere, the whole drivers sides floor and back seat floor were soaking wet.  So much so that we had to put towels in to try to get rid of the water.  Also, I notice last Saturday that the hood doesn't look like it is shut all the way on the driver's side, and now the hood will not open with the unlatch is pulled.  I am hoping that when the floorboards get dry, I can take the car in and have it looked at.  Just hoping it is nothing really costly.

July 2017 Scores - EQ 813 | TU 777 | EX 787 | ~~Started Gardening Again on March 21, 2017
Regular Contributor
Posts: 122
Registered: ‎03-18-2017

Re: Garden Club - August 2017

First month, no problem.  


Valued Member
Posts: 42
Registered: ‎04-08-2017

Re: Garden Club - August 2017

Still going. Happily hanging in.


Gardening Since 6/15/17: goal 2020

2016 FICO 642, March 2016 Vantage 602
Current: EX FICO 707, TU FICO 715, EF FICO 697, Vantage 801

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