Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 1,474
Registered: ‎08-12-2012

Re: Garden Club - May 2017

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


TU fico08=817 6/24/17
EX fico08=806 6/24/17
EQ fico08=811 6/24/17
Garden since 4/5/2017

Senior Contributor
Posts: 6,075
Registered: ‎08-04-2014

Re: Garden Club - May 2017

[ Edited ]

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: 05/04/17 EQ 781 TU 776 EXP 792
Current Score: 776
Goal Score: 800
Take the myFICO Fitness Challenge
Moderator
Posts: 17,323
Registered: ‎12-30-2011
0

Re: Garden Club - May 2017

[ Edited ]

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 5 688, TU 4 758, EX 2 703, EQ 8 728, TU 8 762, EX 8 739 (6/12/17)
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
Regular Contributor
Posts: 161
Registered: ‎12-21-2016

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.


Regular Contributor
Posts: 149
Registered: ‎11-11-2016

Re: Garden Club - May 2017

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

Valued Contributor
Posts: 2,164
Registered: ‎06-16-2015

Re: Garden Club - May 2017

9 month check up...still app free 😁
Gardening since 6/1/17
Discover $35k | AMEX SPG $50k | Lowes $35k | PenFed Plat Rewards $25k | PenFed Promise $25k | NFCU CashRewards $24k |Cap One QS Plat $19k | RBFCU Premier Rate MC $12.5k | J.Crew $21.2k
PLOC: RBFCU $20k | PenFed $25k
TU:746 EQ:729 EX:758
Established Contributor
Posts: 582
Registered: ‎03-01-2015

Re: Garden Club - May 2017

[ Edited ]

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. 



EX: 826 TU: 809 EQ: 792
Senior Contributor
Posts: 3,793
Registered: ‎09-26-2011

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!




Last App: 09/26/16.

Zero percent financing is where the devil lives...
Valued Contributor
Posts: 1,607
Registered: ‎04-26-2014

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 753/ EQ 763/EX 769 6/17// AAoA 5.8 years // Lines 6/2017= 197K // Inquiries 7-7-7 BK now off all all reports....WE CLOSED ON OUR HOUSE 6/7/2017 long hard road, but we made it !!!
Frequent Contributor
Posts: 866
Registered: ‎02-07-2017

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.

Rebuilding credit since 2015 (BK filed 8/14, discharged 12/14) - started out in 570's, now approaching 700 (FICO 6/17:TU 646/EX 678/EQ 677 FICO 8 or 690 NG 2, VS 3.0 6/21/17: TU 696/EX 684/EQ 693)! $951 Cap One secured Platinum/$3000 Cap One Quicksilver/$800 Amazon Prime Store Card/$3300 Discover It/$4000 Overstock Store Card/$1200 Walmart Store Card/$2000 Apple FCU Platinum Visa/$10k PenFed used car loan/$5k Navient student loan. Back in the garden as of 6/21/17 until at least Sept. 2017 unless I get a preapproval I can't refuse...

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.