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Regular Contributor
gijoe4500
Posts: 232
Registered: ‎05-12-2010

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
Community Leader
Senior Contributor
myjourney
Posts: 25,173
Registered: ‎02-07-2013

Re: Garden Club Meeting - April 2013

That's OUTSTANDING 700 club member:smileywink:


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.

 

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it...6/6/14 Plat is all mine
Valued Contributor
tcbofade
Posts: 1,991
Registered: ‎09-26-2011

Re: Garden Club Meeting - April 2013

TU up 13 for me!


Current Scores: EX 676 (FCR) TU08: 648 Wally (TU08). 07/01/14 Last app 05/29/2014.
Gardening until 01 November 2014.
(Thou shalt not app, thou shalt not app, thou shalt not app...)
Zero percent financing is where the devil lives...
Frequent Contributor
bluesnowman
Posts: 464
Registered: ‎10-29-2012

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.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Moderator
09Lexie
Posts: 24,183
Registered: ‎09-13-2012

Re: Garden Club Meeting - April 2013

Frequent Contributor
bluesnowman
Posts: 464
Registered: ‎10-29-2012

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.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Established Contributor
DiabolicallyRandom
Posts: 775
Registered: ‎03-09-2013

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.

Community Leader
Senior Contributor
myjourney
Posts: 25,173
Registered: ‎02-07-2013

Re: Garden Club Meeting - April 2013


tcbofade wrote:

TU up 13 for me!


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

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it...6/6/14 Plat is all mine
Community Leader
Senior Contributor
myjourney
Posts: 25,173
Registered: ‎02-07-2013

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

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it...6/6/14 Plat is all mine
Community Leader
Senior Contributor
myjourney
Posts: 25,173
Registered: ‎02-07-2013

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

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it...6/6/14 Plat is all mine

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