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Garden Club - December 2017

Valued Contributor

Re: Garden Club - December 2017


sleeplessinsf wrote:

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.

 

 


I don't believe USAA provides monthly FICO scores there. The monthly score updates are Vantage while the yearly ones are FICO 08/09 not too sure which one it is they give to customers.

FICO 08 Scores (Oct-17): TU 810, EQ 813, EX 813

Message 61 of 2,366
Frequent Contributor

Re: Garden Club - December 2017

So, the USAA one isn't the true one? I pay for Experian monitoring and it has always been accurate. I'll disregard the lower one at USAA. I was just shocked because it makes zero sense!
Just like my TU ck is a good 70 points less then what it really is.
I'm struggling to decide on making a large purchase of a new washer and dryer. Our sears store is closing and the price cuts are deep! I would have to use a 0% offer, as I won't be able to pif for a few months. Decisions.....




Goal No New Credit Until Jan 2020
Revolving Credit $129,200
Message 62 of 2,366
Established Contributor

Re: Garden Club - December 2017


bluntco wrote:
So, the USAA one isn't the true one? I pay for Experian monitoring and it has always been accurate. I'll disregard the lower one at USAA. I was just shocked because it makes zero sense!
Just like my TU ck is a good 70 points less then what it really is.
I'm struggling to decide on making a large purchase of a new washer and dryer. Our sears store is closing and the price cuts are deep! I would have to use a 0% offer, as I won't be able to pif for a few months. Decisions.....

Utilization is a temporary thing. As long as you pay it off before the 0% rate is over, you're good! A good deal is a good deal, even better if you need what's on sale.

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 63 of 2,366
Valued Contributor

Re: Garden Club - December 2017

Yeah, because that's the only way I can see where there is a large discrepancy between the monitoring service you're paying for and USAA's version. Just treat it like CK scores and you'll be fine.

FICO 08 Scores (Oct-17): TU 810, EQ 813, EX 813

Message 64 of 2,366
Established Contributor

Re: Garden Club - December 2017


Adkins wrote:

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!). 


ill be very bored at work the next few hours so.. i'll take your spot ;-)

Cap1VentureOne 3750 | Gamestop 1950 | Discover 7000 | Amazon Prime Store Card 900 | Care Credit 2500 |Honda Financial Lease July 2017-2017 Honda Civic EX(early upgrade from 2015 Civic LX)
Ch 7 BK 12/2013 | Fico 8 EXP 669| TU 667 | Eq 687 |gardening starting October 1 and until further notice
Message 65 of 2,366
Established Contributor

Re: Garden Club - December 2017


sasha123 wrote:

Adkins wrote:

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!). 


ill be very bored at work the next few hours so.. i'll take your spot ;-)


Go for it! 😁

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 66 of 2,366
Frequent Contributor

Re: Garden Club - December 2017

Good morning everyone, hope everyone is doing well. I've been away for a couple of days, but I am excited to pick up my Silver spade this month. I checked my EX Fico scores today and it has gone up 8 points since November, placing me in the "Very Good" tier, so I am happy that the gardening is paying off. Hopefully, by next spring I would be in a better position to apply for a Visa Signature card with a good APR. As much as I love December and the holidays, it is also the month where temptations are at it's highest, so garden strong and garden hard everyone. 

FICO 8 Scores As of December 2017:
EX 745 TU 742 EQ 729
Message 67 of 2,366
Frequent Contributor

Re: Garden Club - December 2017

@sasha... did you get your open enrollment?

I just interviewed a lady who was left with 000.00 after 31 years of marriage.

This is why I push myself to be independent, even if I'm happily ever after
This is also when my wacky credit OCD makes sense.

I'm going to buy that washer and dryer I think. Even on their website it's showing @$1149 each, at the store, they are $699 each.




Goal No New Credit Until Jan 2020
Revolving Credit $129,200
Message 68 of 2,366
Established Contributor

Re: Garden Club - December 2017


bluntco wrote:
@sasha... did you get your open enrollment?



yea all signed up.. ha!  the rumor mill still says we're getting laid off after the first of the year............

Cap1VentureOne 3750 | Gamestop 1950 | Discover 7000 | Amazon Prime Store Card 900 | Care Credit 2500 |Honda Financial Lease July 2017-2017 Honda Civic EX(early upgrade from 2015 Civic LX)
Ch 7 BK 12/2013 | Fico 8 EXP 669| TU 667 | Eq 687 |gardening starting October 1 and until further notice
Message 69 of 2,366
Established Contributor

Re: Garden Club - December 2017

oo oo since its the 1st i just remembered to check my experian.. my score went up 3 points from 666 to 669. whew, yay, and hehe! (sorry can't help myself!)

 

edit: message 70 on page 7 - woo!

Cap1VentureOne 3750 | Gamestop 1950 | Discover 7000 | Amazon Prime Store Card 900 | Care Credit 2500 |Honda Financial Lease July 2017-2017 Honda Civic EX(early upgrade from 2015 Civic LX)
Ch 7 BK 12/2013 | Fico 8 EXP 669| TU 667 | Eq 687 |gardening starting October 1 and until further notice
Message 70 of 2,366