Garden Club - February 2016

[mechanicaljen]

Another point I'd like to add is that I have ~17,500 remaining on loan.  I can *probably* have it paid off by next year.  So, pay on current loan for a year, year and a half.. or refi.

[Anonymous]

Hello all,

It's been a while since I've logged into MF. Have been gardening since June of 2015, hoping to stay a while to clean up my reports.

Here are my Feb. goals:

• Remove negative tradelines
• No new credit or inquiries
• PFD collection with Midland

Happy gardening all

[Anonymous]

Happy Februaury.  3 months strong  

[Anonymous]

Happy Feb, 

I just entered my second month without applying.  Last App was December 2nd.  My plans are to garden for 12 months.  10 months is a very long time to go.  These credit card offers are tempting.  

[BigBS]

Good day, everyone.

[tcbofade]

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@Anonymous wrote:

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@tcbofade wrote:

Good morning boys and girls.

Where does one purchase pole vaulting equipment?  

All is well, hope you are all off to a good start!

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That is oddly specific, tcbo. Taking up a new hobby?

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There was some silliness on Friday night about folks planning to "pole vault" out of the garden... I was really just messing with MJ. 

[tcbofade]

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@mechanicaljen wrote:

Just upgraded my spade to platinum, baby!  How exciting!

Considering refinancing my car (48 months left on my loan..with a horrible APR), but an hesitant due to the credit hit that comes with it.. 

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Please allow me to politely disagree with your priorities on this one.

You want to avoid the credit hit to maintain your score... I agree.  The point of having a good score is to get more favorable rates when one must carry debt, yes?

If your score / income / financial situation is such that refinancing the auto will save you dollar bills, I would MUCH rather save dollars and have a lower FICO score.

Your call, just remember what the goal is... yours may be different than mine, and that's OK! 

[Anonymous]

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@Anonymous wrote:

Hello all,

It's been a while since I've logged into MF. Have been gardening since June of 2015, hoping to stay a while to clean up my reports.

Here are my Feb. goals:

• Remove negative tradelines
• No new credit or inquiries
• PFD collection with Midland

Happy gardening all

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Welcome back!  Those look like some great goals... and very much achievable!  Before you know it, you will be at your one year anniversary of Gardening!  You've got this!

[azguy13]

Wow has it been a long week at work. unfortuantely I can only pop in and say hello for now. Maybe tonight I will find some time to jump back on but until then, I have a load of work to finish up. 

Seeya later!

[IncrsCreditScore1]

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@CreditCuriousity wrote:

Be two months on the 4th of this month.. Baby steps

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You are doing very well, CC.  Keep it up.