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Garden Club Meeting - April 2013

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Regular Contributor

Re: Garden Club Meeting - April 2013

gardening is paying off. got my first 700 score! 701, as per wallyworld tu. pulled my EQ from myfico. its sitting at 699. pretty damn good with me considering util isnt maximized.
Last Hard Pull 05/24/2013

Starting Score: MyFico TU: 621 EQ: 610
Current Score: AmEx EX: 700 Walmart TU: 711 EQ: 699
Goal Score: 700's baby! (made it 4/10/2013!)
New Goal: 740!!


Take the FICO Fitness Challenge
Message 691 of 2,152
Super Contributor

Re: Garden Club Meeting - April 2013

That's OUTSTANDING 700 club memberSmiley Wink


gijoe4500 wrote:
gardening is paying off. got my first 700 score! 701, as per wallyworld tu. pulled my EQ from myfico. its sitting at 699. pretty damn good with me considering util isnt maximized.

 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 692 of 2,152
Senior Contributor

Re: Garden Club Meeting - April 2013

TU up 13 for me!


Gardening since 10 Jan 2018. Gardening until I hit 700 or 15 April. Whichever comes first. Smiley Tongue
Zero percent financing is where the devil lives...
10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
01/01/18 Fico8 scores: EX 655, EQ 661, TU 650
Message 693 of 2,152
Frequent Contributor

Re: Garden Club Meeting - April 2013

I'm actually extending my time in the garden, and I am going to leave a small balance this time and apply for the Freedom and the BCE on May 10th (instead of the 27th as I had originally planned). The reason being is because I made a rather large purchase (for school) and thought it was just best to apply about a week-week 1/2 later then I was expecting. I also got my TU score on the 31st, only increasing by one point from 723 to 724. My Eq score went up from 717 to 724. That's really it for now. 

Bank of America: Cash Rewards.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Message 694 of 2,152
Moderator Emerita

Re: Garden Club Meeting - April 2013

Message 695 of 2,152
Frequent Contributor

Re: Garden Club Meeting - April 2013

Lexie- I'm glad to stay...lol! the garden helps me from applying for cards I might have otherwise pulled the trigger for when I know I shouldn't have. Though everytime I see someone getting approved, I'm pretty tempted to apply I must admit, but I must keep myself from doing so..lol. 

Bank of America: Cash Rewards.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Message 696 of 2,152
Established Contributor

Re: Garden Club Meeting - April 2013

So, I am taking a tour of the garden. I have spent the last 4 months rebuilding my credit. My current Equifax is 749. EX was 699 from a lender, had a few things deleted, but Im still waiting for one more collection to be removed. Im not certain about TU because I am waiting for that collection to be deleted as well. I dont have anything flashy in my wallet.  App'ing wasnt much of a problem for me until I joined NFCU today.  I have a total of 11 inquiries, 5 from car shopping 09/11, 4 in the last year including the one from joining NFCU today. I blame the constant posts about NFCU. I just keep going back and forth lol.

Message 697 of 2,152
Super Contributor

Re: Garden Club Meeting - April 2013


tcbofade wrote:

TU up 13 for me!


Gardening is working!!!!!!!!!!!!!! Great news

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 698 of 2,152
Super Contributor

Re: Garden Club Meeting - April 2013


bluesnowman wrote:

I'm actually extending my time in the garden, and I am going to leave a small balance this time and apply for the Freedom and the BCE on May 10th (instead of the 27th as I had originally planned). The reason being is because I made a rather large purchase (for school) and thought it was just best to apply about a week-week 1/2 later then I was expecting. I also got my TU score on the 31st, only increasing by one point from 723 to 724. My Eq score went up from 717 to 724. That's really it for now. 


I still have company Lol

Glad to see you working that plan for Max effect

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 699 of 2,152
Super Contributor

Re: Garden Club Meeting - April 2013


DiabolicallyRandom wrote:

So, I am taking a tour of the garden. I have spent the last 4 months rebuilding my credit. My current Equifax is 749. EX was 699 from a lender, had a few things deleted, but Im still waiting for one more collection to be removed. Im not certain about TU because I am waiting for that collection to be deleted as well. I dont have anything flashy in my wallet.  App'ing wasnt much of a problem for me until I joined NFCU today.  I have a total of 11 inquiries, 5 from car shopping 09/11, 4 in the last year including the one from joining NFCU today. I blame the constant posts about NFCU. I just keep going back and forth lol.


Tour, pull up a chair, plant a seedling or just spend time with good company and conversation. Welcome

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 700 of 2,152