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Garden Club Meeting - April 2013

Established Contributor

Re: Garden Club Meeting - April 2013

Hi Everyone

 

Started my 5th month on the 27th of march, can't wait to get my gold spad in a couple of months. Working real hard at decreasing utilization. Firing LL. They have done nothing for me in 6 months. Though I would give them a try, and like so many others, no help.

 

Anyhow, I will continue to rebuild my credit one day at a time. Sometimes only time will help, have some baddies that will fall off this year. Score can only go up from here.

Happy Easter Smiley Happy

 

Best wishes to all others that are pursuing their credit dreams.





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 04/17/2015 TU 741 Equifax 682 Experian 678

Goal Score: 700 across the board


Take the FICO Fitness Challenge

Last HP 6/10/2015
Message 31 of 2,152
Valued Contributor

Re: Garden Club Meeting - April 2013

I think you get a pass for housing and the associated utilities when its not a mortgage. Tinuviel or one of the long timers will be along to answer for sure soon.


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)
Message 32 of 2,152
Valued Contributor

Re: Garden Club Meeting - April 2013

Looking forward to belatedly picking up my bronze spade on the 13th (after falling out of the garden last month the very day I earned it).

 

Hoping to be HP free until March of 2014.

 

Going to be drinking a lot of Mai Tais and munching a lot of shrimp cocktail at the garden party until then!

 

Message 33 of 2,152
Super Contributor

Re: Garden Club Meeting - April 2013


Gunnar419 wrote:

Looking forward to belatedly picking up my bronze spade on the 13th (after falling out of the garden last month the very day I earned it).

 

Hoping to be HP free until March of 2014.

 

Going to be drinking a lot of Mai Tais and munching a lot of shrimp cocktail at the garden party until then!

 



Gunnar419 wrote:

Looking forward to belatedly picking up my bronze spade on the 13th (after falling out of the garden last month the very day I earned it).

 

Hoping to be HP free until March of 2014.

 

Going to be drinking a lot of Mai Tais and munching a lot of shrimp cocktail at the garden party until then!

 


Stay strong and enjoy the drinks/shrimpsSmiley Happy

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 34 of 2,152
Established Contributor

Re: Garden Club Meeting - April 2013

One more month to silver!

 

Started from a seedling now we here! started from a seedling now my whole garden team f---ing here!


DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Message 35 of 2,152
Super Contributor

Re: Garden Club Meeting - April 2013


eviLution wrote:

One more month to silver!

 

Started from a seedling now we here! started from a seedling now my whole garden team f---ing here!

 

Lol

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 36 of 2,152
Established Contributor

Re: Garden Club Meeting - April 2013

Still here, and silver until may when I get the gold. Holding out until August when it's new vehicle time then back to the garden I expect.


What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
Message 37 of 2,152
Established Contributor

Re: Garden Club Meeting - April 2013


Bella1980 wrote:

Quick question.

 

I won't leave the garden if my credit gets pulled for an apt rental right?


Nope - you will still be right here.  Smiley Happy

 

There was some discussion about this a while back, and it was understood that some things are simply unavoidable (i.e. HP for rentals, utilities, etc.).  The key driver for HPs that count against gardening are those that would establish a new trade line, or a HP to increase an existing CL, etc.  


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Message 38 of 2,152
Established Contributor

Re: Garden Club Meeting - April 2013

I'm in...

 

Here again after two successful 6 month stints in the garden: 12/12 - 5/12 (really started me off well by adding a couple of higher limit accounts that decreased my utilization and got me rolling), and the most recent 6 month round from 9/12 - 3/12 (stepping out this time was precipitated by a "preapproval gone wild" for a mortgage, so I took 2 deliberate HPs for PenFed and a CLI on my BoA and got great results from those).  I'm proof positive that gardening works.

 

I'm really in indefinitely now.  I got my coveted PenFed card, and since my job situation is in limbo (i.e. where I'll be working) I have put off even considering a mortgage for the forseeable future.  I will have two HPs dropping off EX in April so this is a good month to resume gardening.

 

Oh yes, almost forgot to mention that I finish grad school this month and will soon be starting my new (better paying?) career - yeah me!   Smiley Very Happy


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Message 39 of 2,152
Frequent Contributor

Re: Garden Club Meeting - April 2013

Here again only 4 days in time no more apps until I can get that Amex so though I may app it every six months until I get it not sure though.
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


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Message 40 of 2,152