Credit Cards Center Credit cards from our partners
Regular Contributor
Posts: 172
Registered: ‎09-27-2008

Re: Garden Club Meeting - August 2012

I am new to the garden. I have applied in spurts. My goal is to stay in garden through the end of 2012.  I may move goal to one year but want to take baby steps. I need small victories.  

Starting Score: EQ 586, TU 527, EX 532 (April 11, 2012)
Current Score: EQ 697, TU 714, EX 678 FICO8(updated Oct 1, 2015)- Last app Sept 19, 2015
Goal Score: 800 across all 3 No apps until Sept 2017- Goal = consolidate, trim and grow limits

31 May 31 mortgage app
Valued Contributor
Posts: 2,691
Registered: ‎09-26-2011

Re: Garden Club Meeting - August 2012

Sladyesq wrote:

... I need small victories.  

...boy, do I understand THAT!


Here I sit, in my convoluted garden, waiting for Spring which seems an awfully long time away...


Current Scores: EX: 615, TU08: 639, EQ: 607. 04/01/2015.

Zero percent financing is where the devil lives...
Regular Contributor
Posts: 198
Registered: ‎10-22-2010

Re: Garden Club Meeting - August 2012

My last two apps were in May. I've been good and been in the garden since and haven't had any desires. RIght now I want to app for Citi AA card but theres a chance I may be going for a mortgage before January 1 so I need to be good and not app. Just have to wait an hour or two and it should pass. Need to be good since I have something to wait for.

What's In My Wallet:American Express Starwood Preferred Guest Business Card, American Express Costco True Earnings, Citi AA Visa, Barclays US Air, Citi Prestige
What's In My Sock Drawer: Chase Sapphire Preferred, Discover More, Bank of America Accelerated Rewards AmEx, SME FCU Visa
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011

Re: Garden Club Meeting - August 2012

Still in the garden. 9 days until I get my bronze spade.

Last app was july 30, applied for mortgage refi

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
Valued Member
Posts: 41
Registered: ‎07-06-2012

Re: Garden Club Meeting - August 2012

I've got six days till my bronze spade which also happens to be the day I start my new semester in college.

In the garden since 7/27/12 after getting two credit rebuilding cards.

Starting Score: 527
Current Score: TU-617 Equifax-606 Experian Plus 569
Goal Score: 650 by 1/1/13
Regular Contributor
Posts: 162
Registered: ‎04-04-2010

Re: Garden Club Meeting - August 2012

Smerri, I wanted the CITI AA card for so long - AA was the airline to fly when my son was in Texas.  Unfortunately once I got the card and did my little happy dance, I didn't run enough $$ through it right away to get the sign-up bonus miles, then my son got transferred to PA, making AA the most expensive airline to get from here to there...    Now I'm gardening and planning which miles card to try next.  

Started with an Orchard secured 4 years ago. Now: House, Car, NFCU Rewards Signature, Citi AAdvantage, Discover More, Capital One Platinum, Walmart, AMEX BCE
Established Member
Posts: 54
Registered: ‎07-10-2012

Re: Garden Club Meeting - August 2012

Well I've reached the one month mark in the garden!! I want to add my bronze spade but can't figure out who. Can any one help?


Fako Ex: 743, Fako Eq: 734 Fako TU: 748
I'm BACK in the Garden (App free since 01/02/2013)

Valued Contributor
Posts: 2,111
Registered: ‎07-29-2011

Re: Garden Club Meeting - August 2012

Radio_Radiation wrote:

Well I've reached the one month mark in the garden!! I want to add my bronze spade but can't figure out who. Can any one help?


You copy the bronze spade html listed on page 1 of this thread.  Then you go to "My Settings" and find your signature block.  Paste the html line you copied in front of any other text or html that you currently have in there.  Save.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
New Contributor
Posts: 113
Registered: ‎05-06-2012

Re: Garden Club Meeting - August 2012

No spade for me yet I am on day 5!!


I am excited with my recent zync app and can't wait to get the card! My plans are for the next 6 months, get usage on the amex card to remove the 500 cap. In the same time period to raise my walmart and Amazon GE accounts by 800 so I can happily close my credit one. With no hard apps in this 6 months... February 16th is the day I plan to apply for a chase card a Slate or Freedom I can't make up my mind yet. What I have decided is at that date to have my credit one closed and my cap ones paid off as they will be out of the 0% window.  Over the next 6 months I am hoping for a 50-60 point jump, I think I can do it by paying off my open collection (200 for a PFD) 6 months of on time payments and lowering my utly... I JUST NEED to stay focused ... Now with amex I don't think that will be a problem ...I don't want to do anything to wake up the Ban hammer.


I was thinking about posting once a week in this topic but I had the idea for a blog.. I wonder if their is a credit recovery blog out in the WWW


anyhow THANK you to all the members of myfico for the help, I can't wait to start giving back. 

Moderator Emeritus
Posts: 13,201
Registered: ‎12-30-2011

Re: Garden Club Meeting - August 2012

Whee, back in the garden after successfully re-financing my auto loan, and USAA's getting cold feet on their credit card pre-approval (disappeared from site today).


So back to the old plan of waiting till mid-December for my wishful thinking Amex application, and then it's straight onto mortgage qualification starting six months after that if all goes well.




Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)

Take the myFICO Fitness Challenge

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.