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Regular Contributor
Posts: 154
Registered: ‎02-01-2013
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Re: Garden Club Meeting - April 2013

Still a seedling for a couple weeks... 

Watch them grow!

-- I need a new card graphic -- Coming Soon! --
Regular Contributor
Posts: 203
Registered: ‎07-27-2012
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Re: Garden Club Meeting - April 2013

myFICO says my TU went up to 734 today.
Current Cards: AMEX Everyday ($10k), AMEX BCE ($10.2k), Arrival ($7.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($5k)

1/15 - 792 Fico EX (AMEX) - In garden indefinitely.
Established Member
Posts: 50
Registered: ‎01-27-2013
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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 | REI Visa Sig
Member
Posts: 6
Registered: ‎09-04-2007
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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

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Super Contributor
Posts: 6,672
Registered: ‎04-07-2008
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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
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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
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Valued Contributor
Posts: 2,440
Registered: ‎11-29-2012
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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 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
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Regular Contributor
Posts: 203
Registered: ‎07-27-2012
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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 ($10k), AMEX BCE ($10.2k), Arrival ($7.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($5k)

1/15 - 792 Fico EX (AMEX) - In garden indefinitely.
Valued Contributor
Posts: 2,296
Registered: ‎07-23-2012
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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 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Member
Posts: 6
Registered: ‎09-04-2007
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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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