04-17-2013 08:19 AM
Starting my rebuild!
04-17-2013 10:40 AM
Howdy howdy boys and girls. I'm still here.
Wifey and I are still in the garden, but starting to make some firmer plans for the immediate future anyway.
I am still app free since last August, and plan to stay in the garden until it's August again.
DW cheated and open two accounts last December, but after some um... "firm conversation" has been behaving herself and will be in the garden until June, methinks.
Onward and upward!
04-17-2013 12:30 PM
Just got my BCP card in the mail today and it included my EX score.
Oh yeah. Now I see why everyone gardens. That score was with me gardening for about 16 months between inquries but it also included a high CC ultization (>80%). Can't wait to see what happend when I get that ultization down to 0 and I continue to stay in the garden. I'm really excited for this PIF every month that everyone talks about. One day, my finances will let me do that!
04-17-2013 12:44 PM
Congrats on picking up your spade! When you find some miracle grow...can you share some with me? 😔
Indeed. And you share your coffee with me. Unless I am the only one awake at actual 4 in the morning.
If I'm awake at 4am, it's because I've had insomnia and haven't gone to sleep yet.
04-17-2013 12:55 PM
04-17-2013 12:56 PM
Hello, fellow gardeners!
I just wanted to let everyone know that I'll be away from the forums for a couple of days. My DH and I are driving up to Orlando for an event on the campus of my alma mater. We'll be back late Friday, so I may not be around for the weekly party. Not to worry, of course, as the bar and buffet are in the very capable hands of myjourney. I'm certain that everyone will have an enjoyable time socializing.
Also, I'm leaving the keys to the clubhouse in the hands of our GC member and newest moderator, webhopper. We're fortunate in that we have a thread wherein all participants do an excellent job of living up to this forum's ideals of being friendly, supportive and respectful, but she'll be here to address any issues if they do come up.
And so enjoy the clubhouse facilities, and as always remember to party responsibly. The advice that we give out here can have real world implications, so even though we boast a fully stocked bar, we in no way condone "drapping." Instead, we're here to support each other as we manage our credit gardens with good care and forethought. And so may the next couple of days be filled with joy and encouragement, and I look forward to seeing everyone again by the weekend. Cheers!
04-17-2013 12:58 PM
04-17-2013 01:00 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.