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Valued Member
stema8701
Posts: 29
Registered: ‎01-29-2011
0

Re: Garden Club Meeting - April 2013

I'm new in the garden. I have all the cards that I need and with substantial CL. I'm just waiting till 2015 when I can buy house. Been app free since March 26.. lol:smileyhappy:


Starting Score: 600
Current Score:EX FICO 720 EQ FICO 712 TU FICO 713
Goal Score: 750
NFCU Cash Rewards Sig (14K), Amex BCE(10K), Delta Skymiles(10K) Discover IT(5.6K), CITI HHonors(6.2K), CSP (5K), CITI TYP(5K) CITI Diamond Preferred(4K), Freedom(3K), Amazon Store Card(2.5K),


Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

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?


That's correct. We've made certain exemptions (job application, apartment rental, utilities, etc.) and this would be one of them, so you'll be fine. The rule of thumb is that if your credit gets pulled for something that's not an application for credit per se, and there isn't the possibility of it showing up as a new TL on your reports, then it's exempted from counting against your GC recognition level.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - April 2013

@myjourney -- oh, that looks so yummy!!! :smileyhappy:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Contributor
calihlove75
Posts: 788
Registered: ‎05-16-2012
0

Re: Garden Club Meeting - April 2013

Still here. Been in the garden over 4 months~ 130 days to be exact (yes I am counting..lol).


100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-2/1~ last credit card app 6/24/13- New car loan 3/8/2014
Discover IT $8000~Kohls $1000~Amex BCE $2000~ Walmart Discover $7500~NFCU Signature CashRewards $16,100~ Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $2500~ Amazon Store $7000~ Fingerhut $1050
Valued Contributor
thom02099
Posts: 1,326
Registered: ‎08-30-2011
0

Re: Garden Club Meeting - April 2013

In the Garden since February.  It's true, like any addiction, if you can make it 28 days, the ones beyond that become easier. 

 

Did get a CLI from Lowes...a $4K increase to $10K!  No pull whatsoever...no hard...no soft...nada! 

AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 768 EQ = 828 TU = 834 - June/2014
Community Leader
Senior Contributor
myjourney
Posts: 26,620
Registered: ‎02-07-2013
0

Re: Garden Club Meeting - April 2013


tinuviel wrote:

@myjourney -- oh, that looks so yummy!!! :smileyhappy:


Any request?:smileyhappy:

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Frequent Contributor
b_seeker
Posts: 390
Registered: ‎03-24-2013
0

Re: Garden Club Meeting - April 2013

App free since March 25th. Letting my four new accounts grow for at minimum 6 months before getting some of my other planned cards. Future cards include Penfed Rewards and CSP but that isn't for a long while.



|| Barclaycard Rewards Visa $5500 || AMEX BCE $2000 || Discover IT $3000 || Amazon Rewards Visa $1800 ||
|| Chase Freedom $2700 || CSP $5000 || Chase Marriott Premier $7500 || Sallie Mae MC $3800 ||

FICO Scores: EX 752 (3/13/13) || EQ 782 (10/4/13) || TU 724 (1/18/13)

In the garden as of 10/12/2013
Community Leader
Senior Contributor
myjourney
Posts: 26,620
Registered: ‎02-07-2013
0

Re: Garden Club Meeting - April 2013


calihlove75 wrote:

Still here. Been in the garden over 4 months~ 130 days to be exact (yes I am counting..lol).


Good Job

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Community Leader
Senior Contributor
myjourney
Posts: 26,620
Registered: ‎02-07-2013
0

Re: Garden Club Meeting - April 2013


thom02099 wrote:

In the Garden since February.  It's true, like any addiction, if you can make it 28 days, the ones beyond that become easier. 

 

Did get a CLI from Lowes...a $4K increase to $10K!  No pull whatsoever...no hard...no soft...nada! 


It truly does become easier:smileywink:

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: Garden Club Meeting - April 2013

This quarter ended with 3 new additions, a NavCheck, Chase Freedom and a Paypal SC for a total CL of an additional $9k. After 2012 closed out with a bang I could have stayed in the garden, but temptation lured me out.

I've gotten all that I reasonably could so my wallet is fat now. I'm satisfied enough to just let my garden grow. My goal is no new cards until this time next year. I need to work on getting the last 2 baddies off so my scores can all be over 730.

So I am in the garden now getting ready for spring blooms! I can't wait to change my seedling!

Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014

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