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Valued Contributor
Posts: 1,498
Registered: ‎08-12-2012

Re: Garden Club - May 2017

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

TU fico08=820 8/25/17
EX fico08=812 9/05/17
EQ fico08=817 8/25/17
Garden since 4/5/2017
Community Leader
Senior Contributor
Posts: 6,485
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: 08/21/17 EQ 781 TU 784 EXP 789
Current Score: 781
Goal Score: 800
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Posts: 17,529
Registered: ‎12-30-2011
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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.  


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)

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Regular Contributor
Posts: 184
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: 230
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: 2,169
Registered: ‎06-16-2015

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
Established Contributor
Posts: 589
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. 

Fico 8 scores: EX 821 TU 811 EQ 792
Senior Contributor
Posts: 4,093
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!

Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Valued Contributor
Posts: 1,609
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 !!!
Established Contributor
Posts: 1,152
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 12/14 Ch7 BK discharge. FICO 10/16/17:TU 659/EX 694/EQ 688 FICO 8 or 680 FICO 9 (Penfed), VS 3.0 10/16/17: TU 704/EX 691/EQ 697. $800 Amazon Prime Store Card, $951 Cap One secured Platinum MC, $1200 Walmart Store Card, $2000 Apple FCU Platinum Visa, $3000 Penfed Power Cash Rewards Visa, $3500 Cap One Quicksilver MC, $3600 Discover It, $4300 Overstock Store Card, $10k PenFed used car loan, $5k Navient student loan. In the garden as of 7/2/17 AND THIS TIME I REALLY MEAN IT!!! (unless I get a preapproval I can't refuse...)

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