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Garden Club - May 2017

Valued Contributor

Re: Garden Club - May 2017

Checking in for May...May 5 I get a spade again.




TU fico08=820 11/10/17
EX fico08=812 10/25/17
EQ fico08=818 10/25/17
Garden since 4/5/2017
Message 21 of 615
Community Leader
Senior Contributor

Re: Garden Club - May 2017


UncleB wrote:

beautifulblaquepearl wrote:

UncleB wrote:

That's a good question... I constantly check, so if it does show back up I'll mostly likely see it promptly.  Smiley Happy

That said, I have another card with Amex now, so they might not be eager to give me another shot at a pre-approval for the installment loan.  My fingers are crossed, though!  Smiley Wink


Maybe it's all about timing. I know they are extending additional offers because I've received them. 


Hopefully that's a good sign for me... I'll definitely be keeping my eyes open!  Smiley Wink

 

(Thanks for letting me know they're making offers again!) Smiley Very Happy


I hope it is UncleB. You're welcome.

Gardening since xx/xx/xx Gardenversary xx/xx/xx Score: 08/21/17 EQ 781 TU 784 EXP 789
Current Score: 781
Goal Score: 800
Take the myFICO Fitness Challenge
Message 22 of 615
Moderator

Re: Garden Club - May 2017


beautifulblaquepearl wrote:
I know you have a big cheesy grin on your face right now.Smiley Wink Congrats Revelate!

Ah FML: the cheesy grin was short-lived.  Experian nuked my two remaining lates (30/60 in combination) and that old BOFA tradeline is now in pristine condition as verified on a report from Experian.

 

I wasn't really tracking my EQ scores much beyond FICO 8 and FICO 5 as I didn't really care about the rest, but I have been tracking my EX 1B scores while doing this zero balances testing, and this is no bueno when the one score as near as I can tell nobody uses goes up, and the rest go down.  20 points on EX FICO 2 is an entire mortgage tier, and the only change is the 30/60 getting whacked.  As stated: FML sometimes when it comes to FICO... really curious now what my scores will do when the PLOC reports which is presumably counted as a revolver on all models, but that won't help my EX FICO 2 as my HELOC was counting there.  Not happy, not in the slightest about that as that's one of the few scores I actually think matters.  

 

Score4/15/175/1/17Delta
EX FICO 8709704-5
EX FICO 2723703-20
EX FICO 36796845
EX FICO 9733717-16
    
EX FICO 8 AU714709-5
EX FICO 2 AU694679-15
EX FICO 9 AU740726-14
    
EX FICO 8 BC729723-6
EX FICO 2 BC717705-12
EX FICO 9 BC730723-7
Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Message 23 of 615
Regular Contributor

Re: Garden Club - May 2017

I'm holding steady in the garden. I reached my three month mark on April 25th! It's getting easier and easier as time progressss to stay put and let my accounts age. I've been rebuilding since the summer of 2015 so I have several accounts under two years old.

Message 24 of 615
Frequent Contributor

Re: Garden Club - May 2017

Present and accounted for!  One month of gardening under my belt. Smiley Wink

Message 25 of 615
Valued Contributor

Re: Garden Club - May 2017

9 month check up...still app free 😁
Gardening since 7/13/17
Discover $35k | AMEX SPG $50k | Lowes $35k | PenFed Promise $43k | NFCU CashRewards $25k |Cap One QS Plat $19k | RBFCU Premier Rate MC $12.5k | J.Crew $26.5k
PLOC: RBFCU $20k | PenFed $25k | Navy CLOC $15k
TU:746 EQ:729 EX:758
Message 26 of 615
Established Contributor

Re: Garden Club - May 2017

Happy May and happy Birthday month to me. Time to plant the flowers and get the golf clubs going for us northerners. Hope everyone is well. Credit scores continue to recover after my assault the last few months. Staying in the garden until my vehicle lease expires in a couple of months and then staying put until next year. May everyone continue to have success in their endeavors and garden strong. 


Fico 8 scores: EX 820 TU 808 EQ 798
Message 27 of 615
Senior Contributor

Re: Garden Club - May 2017

Good morning boys and girls.

 

It's six oclock in the morning, and we're on page three???

 

Today, DW will be one year inquiry free on two of the three CRA's, just like me.  Smiley Happy   We're still working on paying down her utilization, and will have them paid down in May, reporting to the CRA's by 05 June or so.  I JUST paid off the only closed account she had with a balance, and her only baddie should fall off somewhere between here and 01 July.  She ought to have a very nice FICO score by July 4th or so. 

 

I also have a few accounts that are maxed out, and frankly, as we're not applying for anything right now, I don't much care.  Maybe we'll start unmaxing me in June.  We shall see.

 

Hope y'all are off to a good start.  Happy Monday!



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 28 of 615
Valued Contributor

Re: Garden Club - May 2017

I'm still holding strong, almost mortgage time. Good luck everyone with your garden.

BK13 Filed 7/10-DC 8/15 // Fico 8's TU 763/ EQ 758/ EX 735 11/17// AAoA 5.8 years // Lines 11/2017= 240K // Inquiries 5 TU -11 Exp - 10 Eq. BK now off all all reports....WE CLOSED ON OUR HOUSE 6/7/2017 long hard road, but we made it !!!
Message 29 of 615
Established Contributor

Re: Garden Club - May 2017

Meet the new thread, same as the old thread. Smiley Very Happy I earned my bronze spade, having passed my first month's mark, and I've adjusted my fall spree plan somewhat especially with the spate of new news about why and how lenders seem to be tightening up. My priority for the post-garden phase is to get a Visa, most likely from one of the CU's; I think I have a pretty fair chance at Penfed but will also look at others such as NFCU, Justice and Apple. I'd also like to get Paypal Credit and/or Walmart store since I'm likely to use them reasonably regularly, and maybe also the Marvel MC (I may have to choose between that and Walmart). I had originally considered going for Amex (BCE most likely) as well, but I'm not sure if my scores will be up to what's optimum for that, so I'll probably leave that for maybe spring of next year.

 

I'm currently looking at trying for SP CLI's on my unsecured Platinum MC, Discover and Amazon Store Card during the May - June period, depending on how things look overall for CLI's at that time, as all three accounts will have matured enough for CLI attempts at that time.

Ch 7 BK discharged 12/14, well along in rebuilding credit. FICO 12/1/17:TU 663/EX 697/EQ 688 FICO 8 (Aug 2017) or 680 FICO 9 (Penfed Sep 2017), VS 3.0 12/1/17: TU 699/EX 687/EQ 693. $33.2K revolving credit as of 11/7/17; $951 Cap One secured Platinum MC, $2000 Apple FCU Platinum Visa, $3500 Amazon Prime Store Card, $3500 Walmart Store Card, $3500 Cap One Quicksilver MC, $4000 Care Credit, $4300 Overstock Store Card, $4500 Discover It, $7000 Penfed Power Cash Rewards Visa, $10k PenFed used car loan, $5k Navient student loan. In the garden again from 10/26/17 for at least the next 3 months unless I get a really really good preapproval.
Message 30 of 615