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Garden Club Meeting - April 2013

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LS2982
Mega Contributor

Re: Garden Club Meeting - April 2013


@myjourney wrote:

@shaun2009 wrote:

My question is ok FICOs only take in part 6 month or less INQs so does that mean after 6 months try or dont just a crazy question because i know INQ fall off 2 years from the date they are done...


INQ's affect your score the most for the 1st year If I remember your case you applied for card twice denied ? IMO I would garden 7-9 months and then apply after your scores rebound from all the hits/INQ's

EDIT Chase likes to see around a yr of history for approvals


INQ's affect your FICO score for 1 year and then they do not reflect on your score. They are not removed from your file until 2 years.




EQ FICO 548 3/3/16
Message 71 of 2,152
thankfulheart
Established Contributor

Re: Garden Club Meeting - April 2013

Back again, still seedling, but really can't imagine needing anymore credit at this point.  We are starting our for real garden today, so hopefully that will be a tangible reminder of this part of the journey.

 

I did have a nice talk with my teens about buckling down and focusing on getting our house purchases paid off, so they have joined me in that mode, which is wonderful.

 

I also noticed EQ has a few errors (Cap1 not reporting since last Sept???) so I need to get back to focusing on ensuring my reports are accurate and as clean as can be.  I still have a negative TL reporting (Santander from when I did a dumb thing and let my adult DD assume my payments when she bought my vehicle from me) with 5x 30 day lates. These are over 2 years old now, so probably not much impact, but being an overachiever, I'd like to see them gone, gone, gone.

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)

Message 72 of 2,152
webhopper
Moderator Emeritus

Re: Garden Club Meeting - April 2013

Checking in this morning to grab my silver before work.

 

Yay!

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 73 of 2,152
rtw
Established Contributor

Re: Garden Club Meeting - April 2013

86 days in the garden. All scores back over 700 and I am a few days away from my silver spade. April is off to a good start so far.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 74 of 2,152
CreditExpressNJ
Established Contributor

Re: Garden Club Meeting - April 2013


@LS2982 wrote:

@myjourney wrote:

@shaun2009 wrote:

My question is ok FICOs only take in part 6 month or less INQs so does that mean after 6 months try or dont just a crazy question because i know INQ fall off 2 years from the date they are done...


INQ's affect your score the most for the 1st year If I remember your case you applied for card twice denied ? IMO I would garden 7-9 months and then apply after your scores rebound from all the hits/INQ's

EDIT Chase likes to see around a yr of history for approvals


INQ's affect your FICO score for 1 year and then they do not reflect on your score. They are not removed from your file until 2 years.


ah ok will do guess im gardening til next year of marcg or the end of the year

CH7 Filed (3/29/17) - 483 EX 516 EQ 517 TU Discharged (5/31/17) - 559 EX 538 EQ 501 TU Current (1/18/22) - 690 EX 683 EQ 671 TU
Current Cards

Message 75 of 2,152
RockinRay
Valued Contributor

Re: Garden Club Meeting - April 2013

Nothing new for me. In fact, I have run all but 6 cards down the shreeder!  Did not close the accounts though.

 

It just becomes too much to manage!  Smiley Happy

Ray

** Every Card has a Job, and Every Card does its Job **
Message 76 of 2,152
jm00ser
Regular Contributor

Re: Garden Club Meeting - April 2013

Still hanging tough in the garden... Possibly leaving to get a new auto loan at some point this month... but only if I get an offer I can't refuse!

 

Might swap (PC) my Amex Unicorn, but not if I have to pay the AF on PRG immediately!

In full gardening/ debt annihilation mode! (4/15/13)
Notre Dame FCU Visa 0/2k (8/04); CapOne Best Buy 800/1.5k (7\06)
Citi Thank You World MC 4800/9.7k (1/11); Amex Zync NPSL (9/11)
Chase Freedom Visa 1600/3.8k (9/11); Chase Southwest RR Premier Visa Signature 4300/10.7k (6/12); Discover It 0/3k (7/12)
EQ: 751 (4/1/13) EX: 742 (4/8/13) TU: 732 (4/8/13)
Message 77 of 2,152
bettercreditguy1
Established Contributor

Re: Garden Club Meeting - April 2013

Good morning to all!. Spring has sprung! My April 2013 scores are: EQ 758, TU 780, EX 788 (Experian Equiv.) I have a gold spade, now at 6 months in the garden. My reports show my  last late over four years ago, no coll., no public info, longest opened account 26 yrs 11 mos,  AAOA 9 yrs, and over 20 total accounts. I have found that allowing only 2 cc's, plus my mortage and 2 auto loans to report a balance that I have received my highest scores on My Road to 800. Good luck to Each of you!

Updated scores 3/7/21 TU 849, EQ 829, Ex 818 (all Fico scores) Remember the Three P's: Pay early in Full, Pay on Time, Patience
Message 78 of 2,152
LesWH
Established Contributor

Re: Garden Club Meeting - April 2013

One more week and I get my Silver Spade!!  Woo Hoo!!!!!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Message 79 of 2,152
lithium78
Established Contributor

Re: Garden Club Meeting - April 2013

Another month in the garden goes by.  I have successfully fought the itch to ask for a CLI on my BoA 123 Cash Rewards Visa.  Honestly, I don't really need a CLI because I have other cards with higher CLs for when I need to buy something big.  Everything is still on track for a mortgage.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Message 80 of 2,152
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