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Garden Club - February 2018


Re: Garden Club - February 2018


Wow!   Very impressive and after my own heart.  I want a diamond too, but I don't want to wait two years.  My DH owes me a replacement one, my center diamond fell out and we haven't been able to replace it.  Maybe when we earn a diamond here we can get a diamond in real life too...time to start saving so we don't have to leave the garden to get one!
Joined the Garden 1/30/18
Last app/HP 1/01/2018

2018 Goal: Garden, 720+, Build savings
2019 Goal: 750+
2020 Goal: 800+, maybe buy first home?

FICO 8:Experian)… EQ 707 TU 684 EX 677 (2/12/2018)
FICO 8: (experian)…EQ 659 TU 686 EX 659 (08/12/17)
FICO 8-(experian)— EQ 682 TU 628 EX 650 (02/08/17)

FICO - I think 2 years ago we started at 535 or 550 I can't remember and didn't notate it

Cards - Discover it, Pen Fed Cash rewards, AMEX BCE, Amazon, Macy, Old Navy, Wayfair, Care Credit
Message 21 of 1,882
Established Contributor

Re: Garden Club - February 2018

Hello fellow GCers.


Went on a short vacation middle of last month, and well, couldn't keep up with the January thread when I got back. Welcome new gardeners, welcome back gardeners, and I am sorry for missing all the usual fun conversations. Smiley Happy 


Checking in for Februrary. Nothing new or exciting from the credit world to report, this month marks my eleventh month in the garden, which is 2 months longer since I started to frequent the boards. I really love the emerald spade (which is weird because I fancy me some sapphires IRL), so I think I'll shoot for that later this year. Maybe. We'll see. Eek. 


Incidentally the locking of CR and plain ole inertia has made this a lot easier to maintain. Smiley Tongue 


Garden strong, folks. 



Garden Club Member since 3/9/2017
Message 22 of 1,882
Regular Contributor

Re: Garden Club - February 2018

Check in for Feb 18.
Message 23 of 1,882
Established Contributor

Re: Garden Club - February 2018

Happy February.  Here’s to another month with no apps. Starting month 9 with no apps in sight. Will drop an inquiry this month on all three and will have no inquiries effecting my EQ by March. Took some big hits on that one last year after moving. Scores are doing well overall. Just enjoying the garden and waiting for spring.  

Fico 8 scores: EX 820 TU 814 EQ 812
Message 24 of 1,882
Valued Member

Re: Garden Club - February 2018

Happy February everyone! Excited to spend the 14th with my Bull Terrier, Roman. 

Smiley Very Happy 

| AMEX Blue Cash Everyday, Chase Freedom Unlimited, Capital One Quicksilver, PayPal Extras MC, Discover It, Citi Double Cash, Barclays Apple Rewards, Citi Costco Anywhere, Capital One Platinum | In the garden until 12/31/18 |
Message 25 of 1,882
Mega Contributor

Re: Garden Club - February 2018

Smiley Happy Checking in for February still gardening strong!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $10k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 26 of 1,882
Frequent Contributor

Re: Garden Club - February 2018

February check in. In about 2 weeks it will be 4 months. Am thinking it is a good thing I stayed in the garden instead of applying using the excuse of anticipated big spend aka yearly vacation with friends. It so happened that my friend wanted to use her credit card instead. There goes my chance of 3% cash back. :'( There's always next year. Smiley Wink
Message 27 of 1,882
Valued Contributor

Re: Garden Club - February 2018

good morning here i am.. valentines day bah humbug.. its a weekday this year any way. we both have to work plus its ash wednesday.. so.. no candy for you! ha!

is it summer yet?
Cap1VentureOne 3750 | Gamestop 2450 | Discover 7000 | Amazon Prime Store Card 900 | Care Credit 3500 |Honda Financial Lease July 2017-2017 Honda Civic EX(early upgrade from 2015 Civic LX)
Ch 7 BK 12/2013 | as of 1/11/18 EXP 667| Eq 669 | TU 637 |gardening starting October 1 and until further notice
Message 28 of 1,882
Established Contributor

Re: Garden Club - February 2018


Time to play some Shirley Bassey diamonds are forever, just earned my diamond!

Very nice, I'm happy for you! Smiley Very Happy

Current FICO 8's: EX 713, TU 707, EQ 712
Gardening for 0 months so far
Oldest TL: 5yr 11mo - AAoA: 2yr 11mo - INQ: EX(7) - EQ(1) - TU(6)
Plans: Pay off medical debt; Get a car
Message 29 of 1,882
Senior Contributor

Re: Garden Club - February 2018

Good morning boys and girls.


Three BT's from last week posted overnight.  Currently, there is only one in process, with three more pending when their statements cut.


It is indeed February.  We've got about 19 days before the next round of statements start cutting with DW's new and improved cranberry, and by early March, her Fico8 scores should see a nice boost.  (Hoping for 700s!)


Hope that you are all off to a good start!


Gardening since 10 Jan 2018. Gardening until I hit 700 or 15 April. Whichever comes first. Smiley Tongue
Zero percent financing is where the devil lives...
10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
01/01/18 Fico8 scores: EX 655, EQ 661, TU 650
Message 30 of 1,882