Garden Club - July 2015

[Anonymous]

Here I am.    I've had to app for some lines since I was here last, due to a new baby in the family (born May 27th!), but it's now time to concentrate on cleaning up the file so that we can buy a bigger place (obviously, we'll need it!).  Not wavering this time - we can't stay where we are now, so this is more important than a shot in the arm from a CC approval (though I'll miss that, lol!).

Good to be here.  

[Anonymous]

Checking in. Been here for two months and so far so good. Been keeping busy paying down balances, studying and trying to help my sister with her credit woes.

[Boragard]

Good Morning GCers!

I am checking in this July 1st.  I can't believe half of the year is already gone.  Where has it gone to so fast?  While I'm here I'm switching out my seedling for a bronze speed, woohoo!    Hope everyone's gardening goals are being reached! 

Have a good one!

[SunriseEarth]

Hey Gardeners,

I'm back for the month of July!   With two new seedlings, June was a credit success.  Now it's time to make 'em grow!   As usual, I like to outline my Garden plan for the month.   Here's what I'm doing:

1.  Collect Bronze Spade on 7/5

2. AMEX 181 Day CLI on 7/31.  At this point, my plan is to ask for $25K on BCE.

3. SP CLI attempts.   May call Credit Solutions on Sam's Club after statement close.   Might try LUV button on Gold Violin.  No other requests are likely

4. UTIL.   My CU Visa will approach 50% UTIL, so I need to work that down (or hope they give me Auto-LUV!).   Requests for CLIs with my CU require HP, so that's a no-go.  

5. Zero balances.   I need more of them to help improve scoring.  

6. SD.  Sony Card has moved into the SD.  Wally will remain in the SD; I've decided to keep the card open for the time being.  Costco TE is moving into the SD.  Overstock is also SDed for now.  

And that's pretty much it!  Wishing everyone the best for their July Gardening!

[Pway]

Gardening another month in. I have to car shop in 3 months. No new accounts just paying down balances. 

[Anonymous]

Checking in for July. Yesterday I contacted Care Credit and had my cli for the day from 3300 to 7700. Happy about that as I have some "stuff" coming up. Learning to manage all my fairly new credit and keeping my cards active. Every day I am grateful to all of you in this forum for your knowledge and kindness. I have learned and am learning so much. 

Good luck to all for a successful July.

In my wallet: QS 5k; Venture 15k; Barclay Apple Rewards 2k; CareCredit 7.7k; BofA Platinum Visa 2k; BofA Travel Rewards 3.5k; BofA Travel Rewards 3.5k; Amazon Store Card 5k; Discover 10k; Barclay Ring Platinum MasterCard. 12.5k. Total Credit: 65,550. 6/27-FICO: EQ - 789; TU - 781; EX - 681; GOAL: 780 across the board then 800 across the board. Inquiries: EQ: 4; TU: 7; EX 7; Chapter 13 seven years May, 2015. Reset my garden date to 6/27. Gardening until further notice.

[Anonymous]

I gardened for 2 months before leaving the garden on June 24 to get a Lowes card for home improvements my DW and I want to do. Then was turned down by Citi because of too many INQ (they helped that way by pulling 2 of them EQ and EX. So, I'm back in the garden for the long haul this time. 

[Jpmack29]

Checking in for July, just completed my 2nd month. Working on my 3rd now, still have a long ways until January 2015. Good luck everyone! 

[MissMoni223]

Happy July Fellow GC Members!

I'll pick up my Silver Spade on the 23rd and I'm GLAD about it! I'm here for the long haul and a witness that gardening really does help to improve your credit scores. I've learned that on-time payments, low utilization, and good ole time are your BEST friends in the credit world! We're halfway through 2015 and you can still achieve your credit goals!!! Stay focused and don't go overboard during the holidays (4th of July included).

[Anonymous]

Good morning and happy 1st of July.  I hope everyone has a good start to the month...