Credit Card Center Advertiser Disclosure†
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 06:09 PM
Have you seen the NSYNC meme going around Facebook the last few days? It's gonna be May!
No? Did that only amuse me? I miss the days of boy bands
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!
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.
* 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.
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.