Reply
Regular Contributor
Posts: 152
Registered: ‎02-01-2013
0

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
Posts: 202
Registered: ‎07-27-2012
0

Re: Garden Club Meeting - April 2013

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

1/15 - 792 Fico EX (AMEX) - In garden indefinitely.
Established Member
Posts: 45
Registered: ‎01-27-2013
0

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
Posts: 6
Registered: ‎09-04-2007
0

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
Posts: 6,569
Registered: ‎04-07-2008
0

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
Posts: 797
Registered: ‎05-01-2012
0

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) 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
Community Leader
Valued Contributor
Posts: 2,351
Registered: ‎11-29-2012
0

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: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $10k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $500 / Target $400 / PPSC $800 / Texaco $400 (last app 09/29/14)
Regular Contributor
Posts: 202
Registered: ‎07-27-2012
0

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 Everyday ($5k), AMEX BCE ($15.2k), Arrival ($7.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($5k)

1/15 - 792 Fico EX (AMEX) - In garden indefinitely.
Valued Contributor
Posts: 2,256
Registered: ‎07-23-2012
0

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 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Member
Posts: 6
Registered: ‎09-04-2007
0

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

Take the myFICO Fitness Challenge



Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.