05-01-2017 01:52 PM
"Started" gardening the other day but still had a pending app. Now that everything is all done, does my gardening clock start now or when the accounts actually start reporting? Either way, nice to meet you all! Happy Monday!
05-01-2017 02:19 PM
crossing over my first full month in the garden soon, still grinding my scores, about to come up on my 19th birthday, as well as my 1st year anniversary into credit, I'll probably make a post about it then!
05-01-2017 02:32 PM
Staying put for now.
05-01-2017 05:12 PM
Checking in for the month of May myFico family.
Still holding strong even though BoA taunts me with the Request a Credit Limit Increase button.
05-01-2017 06:11 PM
It's been a while since I've checked in with the Garden Club here, I actually had to step out on April 1 to apply for an auto loan, finally replacing my first car that got me through my first 8 years driving, gonna miss that car, but enjoying the new one! I got a great rate on the used auto loan from my local credit union, 1.99%! They pulled a 779 EX! That being said I guess I'm skipping straight to bronze today, as I never updated my status until now.
In other news I just got off the phone, and for the first time, I actually got Citi to lower my APR. I talked with them online first, and only got it from 24.5% to 21.74%, I asked why it was so high and they referred me to a phone number. I called in and spoke with someone, waiting on hold for a while, and they came back and offered 17.74%. I'll take it! My scores are as high as they've ever been and I'm appreciating the rates it's getting me so far! Time to garden for another year!
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