Garden Club - June 2015

[Anonymous]

Love reading this thread...

In my wallet: Capital One (secured) 1917; Quicksilver 5000; Venture 15,000; Barclay Apple Rewards 2000; CareCredit 3300; Bank of American Platinum Visa 2000; Bank of America Travel Rewards 3500; Bank of America Travel Rewards 3500; Amazon Store Care 5000; Discover 10,000. Total Credit: 51,217.
FICO: EQ - 745; TU - 699; EX - 681; GOAL: 780 across the board. Gardening until further notice.

[Anonymous]

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@Anonymous wrote:

Love reading this thread...

In my wallet: Capital One (secured) 1917; Quicksilver 5000; Venture 15,000; Barclay Apple Rewards 2000; CareCredit 3300; Bank of American Platinum Visa 2000; Bank of America Travel Rewards 3500; Bank of America Travel Rewards 3500; Amazon Store Care 5000; Discover 10,000. Total Credit: 51,217.
FICO: EQ - 745; TU - 699; EX - 681; GOAL: 780 across the board. Gardening until further notice.

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Great people and lots of excellent ideas and most of all, we all support each other. Welcome to the Garden!

[Anonymous]

Back to a seedling. Not a CC app. 

[sterlingrose1]

Interesting question about aggressive credit seeking. The word "aggressive" technically means going after your own interests and letting nothing stand in your way. From that standpoint, being in the garden could be considered aggressive credit seeking, because it's all about tending what you have to get the score you want, and letting nothing tempt you from that path. 

I don't think I've been an aggressive credit seeker, I've been a manic credit seeker. Manic means showing wild and apparently deranged excitement and energy. After many years of being denied for everything, I get WAY too much of a thrill out of the approval. I've decided to join the garden in order to be an aggressive credit seeker...a big step up from being a manic credit seeker ;>)'

[Anonymous]

Since I'm done apping for 3 years, I just realized I don't have the target card. Anyone freaked about giving them your debit card information? I do shop there a lot, especially on holidays and the 5 percent off is a good deal.

[Anonymous]

I wouldnt be too worried about target and if you want the 5% just get one of the prepaid red cards from amex. Gives you all the benefits of the regular card without the HP and of course any sort of CL

[Anonymous]

I skipped my spring spree, I was going to try NFCU, Penfed, Citi DC and a Business Credit probs PRG Open, plus take a HP for a CLI on my BoA. Since my file is so light my philosophy was to open more accounts early so they age. But I decided I probably just need to open a NFCU an or a Penfed for mortgage options. I got my Amex EDP CL up to 23k and a SP CLI for Discover in the last month. I carried a balance for the first time every using my freedoms 0% apr on my moms property tax. To think a few years ago we came pretty close to loosing her house because I barely could scrape together a few grande cash, come to realized the value of credit, start building a good profile, now I thinking about just buying my moms house. My score is the highest it's ever been, I'm almost to my goal score even of 760. Which is pretty cool. I hasn't moved in a month or so. 

[Anonymous]

I don't think they have them in my state! I could be mistaken..I don't keep more than 300 in my checking anyways...get paid, pay credit cards, transfer rest to savings..

[Anonymous]

Good morning and happy Saturday to everyone...

[bobbay]

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@stellar wrote:

Just wrote letters to freeze my IDA-Sagestream and ARS files.  Any other consumer reporting agencies I should freeze?

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I still have to order these reports to see whats on there then ice them