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Garden Club - December 2017

Established Contributor

Re: Garden Club - December 2017

Good morning MFers! I see the new month brought hilarity, hijinks, and general tomfoolery. Possibly even some shenanigans. 

 

Got an alert this morning so checked thinking my paying down balances helped me out. It did one card went from 59% to 45% UTI. The other reported going from 73% to 61%. The net result? A whopping 1 point increasei on my EX. Why oh why are they so stingy? EQ or TU would be a larger jump, but it is ok. I'll survive with my peeps lol. Hopefully the other two will update sometime today as well. Usually they are same day or within a day or two. 


Starting Scores 03/17/2017 EQ 491 TU 495 EX 465 Currently 12/13/2017 EQ 586 TU 583 EX 569

$300 Open Sky/ $2K NFCU CashRewards/$5.1K NFCU GoRewards/ $1500 Discover Secured

Goal for April 600 across the board.
Message 51 of 2,366
Frequent Contributor

Re: Garden Club - December 2017

Two months down, one more to go towards my silver spade. Started my process to remove last medical derogs - hopefully the CFPB doesn't entirely implode before then but should still work even without them. On the recent getting rear ended by an **bleep** front, USAA accepted liability & began claims process. I was sure to get agreement that they'll reimburse me the cost of a replacement car seat since you're not supposed to keep them even if it was empty at the time of crash & or a low speed incident. The accident was both cases. They weren't as forthcoming on reimbursement of lost future resale value despite evidentiary carfax documents showing decreased value. I will continue to pursue this avenue & consult our attorney if necessary.
Fico8 (Nov '17) - EQ 692(+18) TU 678 (+34) EX 691 (+24)
Message 52 of 2,366
Established Contributor

Re: Garden Club - December 2017


AverageJoesCredit wrote:
Good Morning FicolandSmiley Happy

Wow, 4 pages deepSmiley Wink NOICE, great way to close out Nov, Adkins lol.

Justa congrats on being first, winner winner heres a chicken dinner!

Ok so heres my ,uhm our ,goal for December and sorry to all you OCDers haha.Smiley Happy 303Smiley Happy It can and will be achievedSmiley Happy

What can I say, I got mad skillz! I can work with 303, yeah. We got this! 

Gardening until June 2018

Starting FICOs: EX 623, EQ 589, TU 600 (06/10/17)
Current FICOs: EX 696, EQ 672, TU 678 (12/15/17)
1st Goal FICOs: EX 750, EQ 750, TU 750 (??/??/??)
Message 53 of 2,366
Established Contributor

Re: Garden Club - December 2017


bluntco wrote:
Good morning from Colorado! Supposed to be 57 today. I'll live
My Experian dropped 5 Inquiries, score stayed the same. However, my USAA credit score which is also Experian, went down 63 points. I'm really confused. There is a solid 82 points difference in those scores.
I promised myself ill do better this month with no HP triggers, no new TL. I'll get back to my bronze spade on Dec 25th.
Happy December folks!

So sorry to hear about the 63-point drop! That sucks.

 

 



Gardening Through 03/31/18 - 12/10/17 F8 Scores EQ 743 TU 738 EX 737
Message 54 of 2,366
Established Contributor

Re: Garden Club - December 2017


SlightlyRemoved wrote:
Two months down, one more to go towards my silver spade. Started my process to remove last medical derogs - hopefully the CFPB doesn't entirely implode before then but should still work even without them. On the recent getting rear ended by an **bleep** front, USAA accepted liability & began claims process. I was sure to get agreement that they'll reimburse me the cost of a replacement car seat since you're not supposed to keep them even if it was empty at the time of crash & or a low speed incident. The accident was both cases. They weren't as forthcoming on reimbursement of lost future resale value despite evidentiary carfax documents showing decreased value. I will continue to pursue this avenue & consult our attorney if necessary.

I was going to mention this, I'm glad you're aware of it. I highly recommend cutting the car seat straps, so no one is tempted to use it since it's not safe anymore (learned this in our carseat safety class!). 

Gardening until June 2018

Starting FICOs: EX 623, EQ 589, TU 600 (06/10/17)
Current FICOs: EX 696, EQ 672, TU 678 (12/15/17)
1st Goal FICOs: EX 750, EQ 750, TU 750 (??/??/??)
Message 55 of 2,366
Regular Contributor

Re: Garden Club - December 2017

morning all. Those few random lates on my TU i was talking about yesterday are scheduled to fall off 01/18 according to TU so i gues ill do nothing and let them fall off

Message 56 of 2,366
Established Contributor

Re: Garden Club - December 2017

Phone call to TransUnion this morning, my dispute is set to be resolved by December 15th. I also faxed over the CA paperwork they sent me as an added piece of evidence. TransUnion is seriously getting in my way of certain things. HURRY UP YOU BASTARDS!

Gardening until June 2018

Starting FICOs: EX 623, EQ 589, TU 600 (06/10/17)
Current FICOs: EX 696, EQ 672, TU 678 (12/15/17)
1st Goal FICOs: EX 750, EQ 750, TU 750 (??/??/??)
Message 57 of 2,366
Established Contributor

Re: Garden Club - December 2017

I'm actually going to be very busy at work for the next few hours, so y'all play nice in the garden! I'll pop back in after lunch (or between tests if I have a moment!). 

Gardening until June 2018

Starting FICOs: EX 623, EQ 589, TU 600 (06/10/17)
Current FICOs: EX 696, EQ 672, TU 678 (12/15/17)
1st Goal FICOs: EX 750, EQ 750, TU 750 (??/??/??)
Message 58 of 2,366
Established Contributor

Re: Garden Club - December 2017

3 inquires from 2015 are going away this month. Those were from unknown sources/thieves maybe. I fought and lost in July when I met you MFs. Synchrony won’t remove them. Store cards that we don’t even have where I live.

 

 



Gardening Through 03/31/18 - 12/10/17 F8 Scores EQ 743 TU 738 EX 737
Message 59 of 2,366
Regular Contributor

Re: Garden Club - December 2017

Happy December  and good morning to everyone in the Garden. 

 

Looking forward to posting the broze spade towards end of the month if my current track holds up.

Newegg Card $1200| Amazon Card $200| Walmart Card $400| Current Fico score is 635 Currently Gardening for the time being. Been a member of the Garden since 11-21-17 .

Message 60 of 2,366