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Garden Club - May 2017

Valued Contributor

Re: Garden Club - May 2017

Checking in for May. Back in the garden a month now after leaving for 2 cards. In it for the long haul now. 

EQ: 820 || TU: 815 || EX: 812 (From CCT: 7/20/17) || Garden since 8/10/17. CapOne Quicksilver $22k || Home Depot $16k || Lowes $16k || DiscoverIT $21.5k || BofA Rewards $15k || Barclay Ring $10k || BJ's Perks $10.5k || PSECU $9k || Chase Freedom $7k || AMEX BCE $17.1k || USBank Cash+ $12K || Citi DC $8K || FNBO Sheetz $6K || PSECU Founders $5K || PayPal Credit $4K ||
Message 31 of 615
Valued Contributor

Re: Garden Club - May 2017

Happy Monday all!!!  MAY 1st already wow.......Have a great week everyone!

Message 32 of 615
Established Contributor

Re: Garden Club - May 2017

Good morning all ... In for my first full month in the garden.

Agreed with another poster ... Just about time to break out the golf clubs. I'll also be in the literal garden. Our new house has an area in the back yard that is pretty barren, so we're going to build some raised beds and see what we can grow this year
Message 33 of 615
Frequent Contributor

Re: Garden Club - May 2017

Stepped out to finish my journey before months end. Went 7 months and had to get the new Cap1 Dining card. Approved for 10k. And added the seedling again. Thats it. Made a large payment to get my auto loan under 9%. Waiting for that to post shortly. I'll start to go after the SSL with Alliant soon to keep an installment on my reports. It will be nice to bank the old truck payments for a long while. Scores updated for now. Thanks again guys for all the help! Happy Gardening ya'll

BK 08/15 FICO 8 03/18 EX-743 EQ-737 TU-732
Message 34 of 615
New Contributor

Re: Garden Club - May 2017

After a great couple of months where I saw the fruits of my rebuild. I am in the garden! 

Message 35 of 615
Senior Contributor

Re: Garden Club - May 2017

Good Morning Everyone  and good night I'm going to sleep.  



 This a be my ride and my seat for the next four hours . 






When you help yourself, you feel good. But when you help somebody else get back on their feet, it’s a high that no chemical drug can ever match. It’s the greatest high in the world. It’s addictive, it’s contagious, and the world needs more of it.

Message 36 of 615
Senior Contributor

Re: Garden Club - May 2017

Now, if you happen to leave the garden prematurely, that's your decision and we respect that. You are always welcome to come back, pick up your gardening tools and start over again. But please, celebrate any approvals and the discussion of which credit card to app for on another thread. While we are happy with members’ success stories, we really do want to keep this threads focus and tone to be consistent with gardening efforts. You are certainly welcome to celebrate SP CLIs in this thread, as they do not involve inq's or apps for new credit.


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 37 of 615
Community Leader
Valued Contributor

Re: Garden Club - May 2017

Happy May Monday, Fellow Gardeners! Smiley Happy


It is looking to be a beautiful day here! May is very welcome, as late-March and April have been very busy for me with out of town conferences and trainings and traveling twice for family situations. It seems the older I get, the harder traveling by car is on my body. Smiley Frustrated


In any case, all is quiet on the credit front. Not much is happening. I did get 4 points on EX last month, but other than that my scores were stagnant for April. Kind of a good thing since they weathered my last app without any nosedives! I will take that! 


Plans for May:

-Combine Cap1 QS Platinum into QS WEMC. Even though I can ask for CLI on June 3, I am just going to do it now as soon as my Plat statement cuts this week since Cap1 is a little spooked right now. 

-Claim bronze spade on the 12th.

-Request Disco CLI on the 18th. It will have been over 90 days since my last CLI.

-Request jetBlue APR/CLI on the 23rd. Don't know if they will do it since they just lowered my APR 2 points with no CLI offer available, but the 23rd is the 6 month mark of having the card and I just drastically paid it down. I hope they like that!

-Use my Victoria's Secret card so that my increased CL reports. Just realized it's still reporting as $500 since I haven't used it since before my two CLIs of $300 apiece.

-Hopefully see some score increases. Currently EQ 689, TU 658, EX 687 per myFICO.


Here's wishing everyone a prosperous May!!!!! Smiley Happy

Current Scores------ EQ 680; TU 652; EX 687 FICO 08--- Gardening from 03/07/18 until Yesterday
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Message 38 of 615
Regular Contributor

Re: Garden Club - May 2017

Checking in for May. I lost my silver spade 17 days ago - and I'm ok with that, picked up 3 credit cards so it was worth it. Now back to gardening until mortgage app in about 9-12 months. Cheers!

Starting Score:Low 500s in 2013
Current Score 2-20-18: TU: 776 EX: 782 EQ: 797
Goal Score: 800 Across the Board
In My Wallet: Cap1 QS1 - Cap1 BuyPower - PenFed Power Cash Rewards - PenFed Promise - AmEx Delta Gold - AmEx Green - DISCO - NFCU Cash Rewards

Message 39 of 615
Valued Member

Re: Garden Club - May 2017

Looking forward to picking up my Silver Spade toward the end up this month as I reach 3 months in the garden. Planning on being here until this time in 2018.

Starting Scores: EQ - 624/TU - 627/EX - 645 (2/10/17)
Current Scores: EQ - 722/TU - 721/EX - 734 (9/6/17)
Goal Scores: 725 on all
Message 40 of 615