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Garden Club Meeting - April 2014

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SpaceInvader
New Contributor

Re: Garden Club Meeting - April 2014

good afternoon gang ... its drizzling outside here ... yuck.

Gardening since: 4/2015
Starting Score: 666 Current Score: 688(Barclay FICO) Goal Score: 750

Message 4711 of 5,572
Galaim
Contributor

Re: Garden Club Meeting - April 2014

Hey, y'all. Happy Friday!

TGIF in a HUGE way. Work's been nuts the last while, and shows no sign of slowing down for at least 3-4 months. It's giving me panic attacks, which is NOT good.

 

Anyway, I found out the damage to my scores from my escape from the garden is painful but I'll recover. My new scores are below, so I'm mostly out of the 700 club right now, but just paid a bunch of the small cards that reported last month back down to $0, which will bump me dramatically again next month. Thank goodness.

I am wiped out. Anyone got a good hookup for a caffeine IV? Just kidding. Smiley LOL

Gardening since 12/01/13 with an escape on 4/22/14 for a good cause
Scores: 05/01/10: thin file/no score 08/11/11: 620 all (mortgage FICO) 04/25/14: 705 TU (Barclay) 695 EX (FNBO) 621 EQ (FAKO) In My Wallet:: Wells Rewards Visa $7k, Care Credit $5k, Wells Care Credit $3.6k, NFBO Overstock $4.5k, BarclayCard $2.5k, Capital One $300, Chase $1.8k, Lane Bryant $1.75k, QVC $1.7k, Best Buy $1k, Chase Amazon Visa $500, Target RED $500, Torrid (Comenity) $350, Macys $300, TOTAL $31k CL, 36% util

Message 4712 of 5,572
ayles
Established Contributor

Re: Garden Club Meeting - April 2014

Congratulations Cold!!!!


Current scores: myFICO: 670/TU(Wal): 664/TU(Dis): 659 (Goal: 700)
Last app: 1/3/2014; (Prayerfully!) gardening until: 7/3/2014

~I'm living for an audience of One!
Message 4713 of 5,572
ayles
Established Contributor

Re: Garden Club Meeting - April 2014

Hey y'all, dreary, rainy day today. I feel sooooo lazy! I'm planning on freezing my reports except the wifi won't connect on my laptop right now, which is weird because it's on my phone just fine. Then I plan on asking care credit for a cli through the automated system to see if they'll do it through the sp they pulled a couple of weeks ago. If not they won't be able to do a hp as my current reports are frozen.

Quick question: can existing companies still do the periodic sps for clis even though my reports are frozen?


Current scores: myFICO: 670/TU(Wal): 664/TU(Dis): 659 (Goal: 700)
Last app: 1/3/2014; (Prayerfully!) gardening until: 7/3/2014

~I'm living for an audience of One!
Message 4714 of 5,572
Crisis
Established Contributor

Re: Garden Club Meeting - April 2014


@ayles wrote:
Hey y'all, dreary, rainy day today. I feel sooooo lazy! I'm planning on freezing my reports except the wifi won't connect on my laptop right now, which is weird because it's on my phone just fine. Then I plan on asking care credit for a cli through the automated system to see if they'll do it through the sp they pulled a couple of weeks ago. If not they won't be able to do a hp as my current reports are frozen.

Quick question: can existing companies still do the periodic sps for clis even though my reports are frozen?

I'm 95% sure they can do SPs, and for some reason, I think they can do a HP through a freeze if you have an account with them.  I'm only about 20% sure of that, though.

In the garden until debt is paid off and scores are up!
Message 4715 of 5,572
aubie1kenobie2
Frequent Contributor

Re: Garden Club Meeting - April 2014

Hooray for Friday! Got off work early today. Hope everyone has a great weekend! Smiley Happy


Starting Score: No credit history in July 2013, 663 in August (lender pulled)
Current Score: 773 (Discover FICO), 749 (DCU EQ)
Ultimate goal: Buy a house in 2016!
Message 4716 of 5,572
-Wade-
Valued Contributor

Re: Garden Club Meeting - April 2014

Happy Friday GangSmiley Happy as most of you know I got a 4500 Discover CLI less than 2 months ago, so last night I seen my luv button was back on so I hit it again because I wanted it at 10k so I ask for a CLI of 1000 to make it 10500! I got the under review ! Well today I logged into Doscover and my CL is now 10500Smiley Happy so I got it to the 10K+ mark ! Happy camper here

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 4717 of 5,572
-Wade-
Valued Contributor

Re: Garden Club Meeting - April 2014

Cold, Congrats on your Gold Spade Smiley Happy WTG buddy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 4718 of 5,572
Crisis
Established Contributor

Re: Garden Club Meeting - April 2014


@-Wade- wrote:

Happy Friday GangSmiley Happy as most of you know I got a 4500 Discover CLI less than 2 months ago, so last night I seen my luv button was back on so I hit it again because I wanted it at 10k so I ask for a CLI of 1000 to make it 10500! I got the under review ! Well today I logged into Doscover and my CL is now 10500Smiley Happy so I got it to the 10K+ mark ! Happy camper here


Congrats!

In the garden until debt is paid off and scores are up!
Message 4719 of 5,572
coldnmn
Mega Contributor

Re: Garden Club Meeting - April 2014


@ayles wrote:
Congratulations Cold!!!!

Smiley Happy Thanks ayles!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 4720 of 5,572
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