Garden Club - March 2016

[deltatee]

Hi everyone! We are having gorgeous 70 degree weather here in Denver, and I have some serious spring fever.

My credit cards are just about exactly as I want them, and I don't have any plans for anything new. So I'll be with you guys for awhile.

I decided not to wait to accept the BCE offer for my TE. I am leaning towards cancelling the TE if Citi doesn't do something new with it (I even removed it from my siggy). So I thought it best to go ahead and get the BCE now and let it start aging so it will be old enough to xfer my TE limit onto if I decide to close. Also, I can put my Costco shopping on it and not lose my CB.

I think my siggy is my current lineup, so I hope nothing too exciting comes out!

[Creditaddict]

I have Entered the Garden with all 3 reports officially frozen now!

[kdm31091]

Creditaddict is in the garden?? Wow haha.

[Anonymous]

Staying with keeping myself accountable....

I have been inquriy free 6 out of the last 24 months.

                               Experian          Transunion          Equifax

2016
2/2016                         0                      0                          0
1/2016                         2                      4                          3

2015
12/2015                       1                      2                          4
11/2015                       0                      0                          0
10/2015                       0                      0                          1
9/2015                         0                      1                          0
8/2015                         0                      0                          0
7/2015                         0                      0                          0
6/2015                         1                      2                          2
5/2015                         0                      0                          0
4/2015                         1                      1                          1
3/2015                         0                      0                          0
2/2015                         0                      1                          0
1/2015                         0                      6                          8

2014
9/2014                        1                       0                          0
8/2014                        1                       1                          1
4/2014                        1                       0                          0


Goal: Refi mortgage from a FHA 30 to conventional 15 once DTI/LTV gets better.

[Creditaddict]

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@kdm31091 wrote:
Creditaddict is in the garden?? Wow haha.

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[Anonymous]

fresh start.

[tcbofade]

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@pizza1 wrote:

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@tcbofade wrote:

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@pizza1 wrote:

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@tcbofade wrote:

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@pizza1 wrote:
Hello rest of GC!!

popping in for March.....waited up till 245am to post, but the GC thread was no where to be found, so I went to bed. (sighs)........

Hope everyone has a great day and gardening Month!

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Good morning beautiful! 

Actually, anyone can start the garden thread, and I've done it many times before.

You, too, have the authority to copy, paste, edit, and start the next one.

Sorry you didn't get much sleep, but the good news is that we were ALL thinking of YOU! 

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Really.....you just have to let a MOD know that youre doing it?  I would think you would have to tell someone that youre doing it, or there could be several GC threads??? 

Ill be ok as the day goes on, dreaming of the next GC hoping to be first...(sighs)...I think I have a better chance at getting back in with Chase than I do being first post in the monthly GC...LOL...

Yall were sweet to think of me though....I really do need extra help, LOL

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Nope.  If it's not up and running by 5am on the first, I just start it.  Heaven forbid we end up with a duplicate, the mod can just kill one. 

I'm glad that you enjoyed our silliness.

I'm going to go to work now...  I've got like 19 courses to take today, a 1.5 hour meeting, and will pull my credit reports at noon...here's hoping that everything has updated!

Happy March boys and girls.

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Good luck, hope the reports have updated!!!!

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Nope. 

Still sittin' in the garden waiting for Capital One to update...

Tick, tock... tickety tock...  Gotta go wake up the hamster and all of that noise.

[Anonymous]

Greetings all! A warm 74 degrees here in South Carolina on this March 1st. Back in the garden until further notice. I'm going to let these cards and accounts age and let some inquiries from my auto loan almost 2 years ago, fall off. That should take away five inquiries. This month I am getting married and looking forward to two weeks in sunny Jamaica 

Happy Gardening!

[Anonymous]

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@Creditaddict wrote:

I have Entered the Garden with all 3 reports officially frozen now!

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Welcome to the garden... Now let's see how long you last in here..

[Creditaddict]

I will last until it's time to purchase a work van!