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Regular Contributor
WolfMan
Posts: 149
Registered: ‎02-01-2013

Re: Garden Club Meeting - April 2013

Still a seedling for a couple weeks... 

Watch them grow!

MyFico Scores 8/2013: EX:702 EQ:724 TU:730 -- 2009: I had BAD credit. -- PIF Weekly!
Regular Contributor
ceemee2203
Posts: 201
Registered: ‎07-27-2012

Re: Garden Club Meeting - April 2013

myFICO says my TU went up to 734 today.
Current Cards: AMEX Green, AMEX BCE ($15.2k), AMEX SPG ($6k), Arrival ($7.5k), Merrill+ ($7.5k), Freedom ($5k)

4/14 - 762 Fico (Barclaycard)
Established Member
ycm
Posts: 45
Registered: ‎01-27-2013

Re: Garden Club Meeting - April 2013

Still in the garden but not for much longer. Just picked up my silver spade. Waiting for a few things to report this month, at least hopefully.

-paid my citi card to 0 after it held a balance for well around two years. That final payment hit just before I converted it to the Hilton reserve. Should report soon.
-closed my Victoria's Secret card in the last few days. Had it 2 years and didn't use it once. Waiting for that to report this month.
-my boa card is next on my list to close and replace by August. It's had a balance for a couple years as well but should be paid off in the coming months. My only card with a balance other than my PRG - has me at 16% util. 4 inquiries should fall of equifax the end of July so ill app for the card I want to replace it with then.
-closed my zync in the last few days as well. Replaced it with the prg earlier this year. Closed account should report soon.

Come a long way since deciding to take better care of my credit in November. Will update when i app for next card. Thanks to all for sharing your experiences and knowledge!
Amex Delta Gold | Amex BCE | BofA Travel Visa Sig | Discover IT | Fidelity Visa Sig | REI Visa
Member
perfect10
Posts: 6
Registered: ‎09-04-2007

Re: Garden Club Meeting - April 2013

Hello everyone! I'm new to the Garden. I'll be here for at least 6 months. Trying to boost my score.
I went on an app spree a few weeks back after I bought a new car, so after being denied
For AMEX, I have decided to take a chill pill! Encouragement is encouraged!!!! Thanks....

Starting Score: 625
Current Score: 635
Goal Score: 750

Take the myFICO Fitness Challenge



Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008

Re: Garden Club Meeting - April 2013

Still gardening, although I got a good CLI from BOA from $15K to $30K. It was a SP confirmed on EX




Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012

Re: Garden Club Meeting - April 2013

88 days in the garden. 48 hours away from collecting my silver spade. Let the countdown begin!!!!


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) 698 (my FICO 07/08/14) TU: 693(07/08/14) 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
Community Leader
Valued Contributor
starry1
Posts: 2,073
Registered: ‎11-29-2012

Re: Garden Club Meeting - April 2013


ceemee2203 wrote:
myFICO says my TU went up to 734 today.

Congrats!  How big a bump was that?


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 7/28/14 TU 605; EQ 635; EX 632
Goal Score:  625 for now– New goal 675

Cap1 sec $700 (SD) / FP $300 (closed) / Fingerhut $1300 / nRewards $2.5k / cashRewards $1.5k / NavChek $2.5k
Amazon $1.7k / Walmart $1k / Von Maur $200 /Firestone $1.2k (last app 10/08/13)
Regular Contributor
ceemee2203
Posts: 201
Registered: ‎07-27-2012

Re: Garden Club Meeting - April 2013


starry1 wrote:

ceemee2203 wrote:
myFICO says my TU went up to 734 today.

Congrats!  How big a bump was that?


Only 4 points. My new backdated AMEX still hasn't reported, even though I've already been through 1 billing cycle and let a balance report (accidentally, but only about $450), and PIF. 

Current Cards: AMEX Green, AMEX BCE ($15.2k), AMEX SPG ($6k), Arrival ($7.5k), Merrill+ ($7.5k), Freedom ($5k)

4/14 - 762 Fico (Barclaycard)
Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

Re: Garden Club Meeting - April 2013

well my scorewatch score jumped 20 points for some reason, i expect it too drop a little when my balances report =/

 

oh well gardening anyways. 

"normal people" report balances all the time...

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Member
perfect10
Posts: 6
Registered: ‎09-04-2007

Re: Garden Club Meeting - April 2013

[ Edited ]
How did u get your CL to increase on your two credit cards so quickly? We're they auto increases or SP?

Starting Score: 625
Current Score: 635
Goal Score: 750

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