@BUN wrote:I think there is way too much APP talk on this thread. I hate to be a party pooper, but some of us just can't afford to "fall out of the garden"!! I need to stay in the Garden until next summer. I need ALL of my INQ's to fall off and this last trucking late to fall off. Let's talk about our goals and how we can keep from falling out of the GC. I HAVE to stay, and I need a safe place to hide from all the fabulous approvals happening. I have goal cards, and financial goals that won't be achieved any other way. I came to the GC straight out of the rebuild thread, so excuse me if I'm extra touchy.
It has taken me sooo trucking long to get 2 out of three reports COMPLETELY clean. Equifax IS A HUGE THORN IN MY SIDE!
Very well said Bun. Very well indeed!!!
@Anonymous wrote:Happy Monday Evening All-
Hopefully your summer is off to a great (not brutally hot, like here in FLA) start!
Checking in for the month of June, making my journey three whole months old -hooray-
The Goods:
+24 on EQ ~ +19 on TU
No changes to Discover, Grow or EX scores yet.
CLIs: +8,000 on DIscover, meeting + surpassing card goal (now it's time to shop)
-still too chicken to pull the CLI trigger for my NFCU cashRewards, but I may have to muster up the courage before months end. *a gal's got a goal to meet*
If I'm needed, I'll be over in the Discover CLI thread, soaking it all in + prodding newcomers along!
Happy Gardening All!!!
Side note:
I've found solace in pre-qual links....LOL -whenever i get an itch, I faux apply/check offers, and it seems to suffice- *phew*
Congratulations!! The heat is killer here!! .
@BUN wrote:I think there is way too much APP talk on this thread. I hate to be a party pooper, but some of us just can't afford to "fall out of the garden"!! I need to stay in the Garden until next summer. I need ALL of my INQ's to fall off and this last trucking late to fall off. Let's talk about our goals and how we can keep from falling out of the GC. I HAVE to stay, and I need a safe place to hide from all the fabulous approvals happening. I have goal cards, and financial goals that won't be achieved any other way. I came to the GC straight out of the rebuild thread, so excuse me if I'm extra touchy.
Im right there too. I need to save money and get a strong profile so i can get that chase freedom and or discover and trade in my car next year. I need to be happy with what i have and not look at any other cards. I got plenty of baddies to keep me busy as well.
@tiger_uppercut wrote:
@BUN wrote:I think there is way too much APP talk on this thread. I hate to be a party pooper, but some of us just can't afford to "fall out of the garden"!! I need to stay in the Garden until next summer. I need ALL of my INQ's to fall off and this last trucking late to fall off. Let's talk about our goals and how we can keep from falling out of the GC. I HAVE to stay, and I need a safe place to hide from all the fabulous approvals happening. I have goal cards, and financial goals that won't be achieved any other way. I came to the GC straight out of the rebuild thread, so excuse me if I'm extra touchy.
YES! Brilliant post. That's like going to a weight watcher's meeting and talking about crab rangoons! Resist the urge!
My goals for gardening are simple: to stay put until the baddies fall off my report completely. Most everything is scheduled to fall off 2/2016 with 2 items set for 5/2016. That is without EE, which I will be trying for where applicable. This is important to me not only for my fiscal sanity, but because I am hoping to move in with my girlfriend early next year. I need my reports to be as clean as possible so we won't have to add an extra deposit. I also have a short list of "goal cards" I won't be apping for until the major baddies all fall off. I am in the home stretch and don't want any more INQ or tradelines lowering my score. I also think it's prudent to really, really think about what cards I want in the future. This gives me plenty of time to think on it.
In the meantime, I'm working hard to increase my emergency fund/nest egg. Having it is a HUGE peace of mind, and I want it to grow and grow.
Good for you! Well said i got some INQ's that need to go away lol and I just need to sit it out and be patient. I recall last year this time i had no cards. lol
garden strong for a month and a half, so i switched from seedling... again
looking forward to my birthday (july 1st) ill be a young 24 this year.
goals until next year are pay off debt, in order to save for a house in southern cali 
@Anonymous wrote:Random question... are credit card rewards ever taxable income? Cash back, travel equivalence, etc.
Speaklng from my quicksilver rewards i dont think so.
