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Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Garden Club Meeting - April 2013


myjourney wrote:

shaun2009 wrote:

My question is ok FICOs only take in part 6 month or less INQs so does that mean after 6 months try or dont just a crazy question because i know INQ fall off 2 years from the date they are done...


INQ's affect your score the most for the 1st year If I remember your case you applied for card twice denied ? IMO I would garden 7-9 months and then apply after your scores rebound from all the hits/INQ's

EDIT Chase likes to see around a yr of history for approvals


INQ's affect your FICO score for 1 year and then they do not reflect on your score. They are not removed from your file until 2 years.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
thankfulheart
Posts: 619
Registered: ‎09-26-2011
0

Re: Garden Club Meeting - April 2013

Back again, still seedling, but really can't imagine needing anymore credit at this point.  We are starting our for real garden today, so hopefully that will be a tangible reminder of this part of the journey.

 

I did have a nice talk with my teens about buckling down and focusing on getting our house purchases paid off, so they have joined me in that mode, which is wonderful.

 

I also noticed EQ has a few errors (Cap1 not reporting since last Sept???) so I need to get back to focusing on ensuring my reports are accurate and as clean as can be.  I still have a negative TL reporting (Santander from when I did a dumb thing and let my adult DD assume my payments when she bought my vehicle from me) with 5x 30 day lates. These are over 2 years old now, so probably not much impact, but being an overachiever, I'd like to see them gone, gone, gone.

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)

Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Garden Club Meeting - April 2013

Checking in this morning to grab my silver before work.

 

Yay!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012
0

Re: Garden Club Meeting - April 2013

86 days in the garden. All scores back over 700 and I am a few days away from my silver spade. April is off to a good start so far.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Established Contributor
shaun2009
Posts: 648
Registered: ‎03-07-2013
0

Re: Garden Club Meeting - April 2013


LS2982 wrote:

myjourney wrote:

shaun2009 wrote:

My question is ok FICOs only take in part 6 month or less INQs so does that mean after 6 months try or dont just a crazy question because i know INQ fall off 2 years from the date they are done...


INQ's affect your score the most for the 1st year If I remember your case you applied for card twice denied ? IMO I would garden 7-9 months and then apply after your scores rebound from all the hits/INQ's

EDIT Chase likes to see around a yr of history for approvals


INQ's affect your FICO score for 1 year and then they do not reflect on your score. They are not removed from your file until 2 years.


ah ok will do guess im gardening til next year of marcg or the end of the year

Current Credit Cards
| PayPal MC: $10K | WalMart MC: $7.5K | Discover IT: $6.5K | USB Platinum: $5K | Sams MC: $5K |
| CapitalOne QS: $1.3K | AmEx TrueEarnings: $1.2K | AFCU Rewards: $1K | USB Select: $1K |

Goal Credit Cards
CapitalOne QuickSilver, Discover IT, Sam's MasterCard
AmEx EveryDay, US Bank Cash+
Last Application: 10/3/2014
Valued Contributor
RockinRay
Posts: 1,947
Registered: ‎08-13-2007
0

Re: Garden Club Meeting - April 2013

Nothing new for me. In fact, I have run all but 6 cards down the shreeder!  Did not close the accounts though.

 

It just becomes too much to manage!  :smileyhappy:

Ray

** Every Card has a Job, and Every Card does its Job **

Regular Contributor
jm00ser
Posts: 156
Registered: ‎07-11-2012
0

Re: Garden Club Meeting - April 2013

Still hanging tough in the garden... Possibly leaving to get a new auto loan at some point this month... but only if I get an offer I can't refuse!

 

Might swap (PC) my Amex Unicorn, but not if I have to pay the AF on PRG immediately!

In full gardening/ debt annihilation mode! (4/15/13)
Notre Dame FCU Visa 0/2k (8/04); CapOne Best Buy 800/1.5k (7\06)
Citi Thank You World MC 4800/9.7k (1/11); Amex Zync NPSL (9/11)
Chase Freedom Visa 1600/3.8k (9/11); Chase Southwest RR Premier Visa Signature 4300/10.7k (6/12); Discover It 0/3k (7/12)
EQ: 751 (4/1/13) EX: 742 (4/8/13) TU: 732 (4/8/13)
Established Contributor
bettercreditguy1
Posts: 760
Registered: ‎02-11-2012
0

Re: Garden Club Meeting - April 2013

Good morning to all!. Spring has sprung! My April 2013 scores are: EQ 758, TU 780, EX 788 (Experian Equiv.) I have a gold spade, now at 6 months in the garden. My reports show my  last late over four years ago, no coll., no public info, longest opened account 26 yrs 11 mos,  AAOA 9 yrs, and over 20 total accounts. I have found that allowing only 2 cc's, plus my mortage and 2 auto loans to report a balance that I have received my highest scores on My Road to 800. Good luck to Each of you!

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012
0

Re: Garden Club Meeting - April 2013

One more week and I get my Silver Spade!!  Woo Hoo!!!!!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Established Contributor
lithium78
Posts: 930
Registered: ‎07-30-2011
0

Re: Garden Club Meeting - April 2013

Another month in the garden goes by.  I have successfully fought the itch to ask for a CLI on my BoA 123 Cash Rewards Visa.  Honestly, I don't really need a CLI because I have other cards with higher CLs for when I need to buy something big.  Everything is still on track for a mortgage.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

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