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Garden Club - May 2017

Valued Contributor

Re: Garden Club - May 2017

Hello!  Just settling in after the tumultuous weekend! Things are back to normal now, again figuring what card gets axed next.....not sure if I want to pull the plug on my Amex PRG now or wait till the AF hits I think like June, July? Used all my credits already so just waiting......

Message 81 of 615
Valued Member

Re: Garden Club - May 2017

1month down ! 23 more to go Smiley Sad I went crazy applying for everything after my BK and I have so many inquiries that its horrendous. I'm planning on buying a home in about 3 years so I want to make sure that I have a clean inquiry-free slate. 

Starting Scores 01/17: EQ- 547, TU- 529, EX- 529. Current Scores 5/17: EQ- 641, TU-660, EX-673
Goal Scores:700
Message 82 of 615
Established Member

Re: Garden Club - May 2017

I'm in the garden for the long haul.  After my recent spree, I don't see the need for any more credit lines.  I don't see any mortgages or auto loans for the next several years so I'll let the recent hard pulls drop off and let a baddie from several years ago drop off next year and bump my scores over the 800 mark.

 

Of course, this is subject to change depending on what hand life decides to deal me and assuming I don't see anything shiny that I must have.  I really like shiny things.



Fico 8 ...EQ 781 TU 783 EX 773 (12/1/17)
In the Garden Since May 14, 2017
Message 83 of 615
Valued Contributor

Re: Garden Club - May 2017

TU just bumped me to 662! Finally in the 600's 660's with them. 😀

Current Scores------ EQ 684; TU 653; EX 688 FICO 08--- Gardening from 09/07/17 until "Winter is Over"
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Message 84 of 615
Community Leader
Valued Contributor

Re: Garden Club - May 2017


Bella007 wrote:
TU just bumped me to 662! Finally in the 600's with them. 😀

Nice!



EQ 679 EXP 700 TU 763
Message 85 of 615
Established Contributor

Re: Garden Club - May 2017

Gardening since 3/31/17

 

Nurturing my current cards, paying down debt/taxes, and SAVING Smiley Happy

Ch 7 Discharge May 2015: EQ 588/TU 552/EX 570
Nov 2017: EQ 683/TU 660/EX 668 w/ 24% CC util reporting
Discover/Target/NFCU CLOC/NFCU Cash Rewards/PenFed Power Cash Rewards - $46k total revolving
Message 86 of 615
Valued Contributor

Re: Garden Club - May 2017


medicgrrl wrote:

Bella007 wrote:
TU just bumped me to 662! Finally in the 600's with them. 😀

Nice!


Thanks, medicgrrl! Oops, just realized I meant to say I'm in the 660's with them! ☺

Current Scores------ EQ 684; TU 653; EX 688 FICO 08--- Gardening from 09/07/17 until "Winter is Over"
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Message 87 of 615
Community Leader
Valued Contributor

Re: Garden Club - May 2017

I've been gardening for a whopping 4 days now.  I've done everything I can on my rebuild.  Now I wait for my 3 reports to be clean next Spring.  I'm bored.  Working on my sister's credit now.  Paid off a collection of hers today.  I would pay down their debt if I had the money, but I don't...so I guess I'm out of things to do and should go clean the house or do laundry or something productive.

 

Still contemplating whether I want to convince my son to app for a NFCU cash rewards card.  He's got a Visa with his local CU and a Chase Freedom.  He needs another card...yeah, that's the truth.  Ok, I won't bug him...back to gardening, or cleaning or something.



EQ 679 EXP 700 TU 763
Message 88 of 615
Established Contributor

Re: Garden Club - May 2017

I've been gardening for a few months now. I've been tempted by Chase and that cursed little green checkmark, but I've been a good boy and stayed the itchy trigger fingers. I'll be down to 3 Inq's on each CB come January and that's when I'll be looking for a good size SL with the CSP. Earlier in April, I got a 16k bump in CLI's between 5 different cards, AMEX being the big hitter at a full 3X, taking me to 18k on that one card alone!! Hell, I don't need any more credit than I have now, but I'm like "gimmie gimmie GIMMIE!!!" LoL!!!

 

I've found a comfy little spot in the Garden and I'll be just fine right where I am until next January!!

 

Stay GREEN y'all!!!!!!


Message 89 of 615
Mega Contributor

Re: Garden Club - May 2017

Smiley Happy Checking in for May! Still gardening strong!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 90 of 615