Valued Contributor
Posts: 2,263
Registered: ‎07-23-2012

Re: Garden Club Meeting - August 2012

well 1 day with the spade and now its gone. 

but planning on gardening for at least 1+ years. 

in the past 3 months. 


chase freedom 500

citizens bank mc 500

ae 400

walmart 800


and now today amex zync for 500 limit with autopay. (today)

also got a new car and approved for tier one financing through toyota financial.(today) NO COSIGNER NEEDED!!! (thats giant for me)  


im putting all my app power in a shed locking it with chains and throwing away the key. 

score all about the day. 


fico from myfico tu 688 eq 689


dealer pulled tu 704

and bank pulled eq i think and was 709 (for overdradt line of credit that was denied)

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:4

2014 Goals:
Lower Utility
15% right now, but going up soon :smileysad:
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Moderator Emeritus
Posts: 10,860
Registered: ‎12-30-2011

Re: Garden Club Meeting - August 2012

OlegWasHere wrote:

well 1 day with the spade and now its gone. 


You're doing fine man, one's first Amex, until Amex changes their backdating policy, is something I and probably most of the forum will always give people a free pass on as it should be done as soon as possible.


Gardening is a tool, not the end goal in and of itself.  Honestly in the year+ you're talking about, you'll be in better shape with that Amex than without it, so it's a quality app regardless when it comes to credit building... which is the whole goal of gardening in the first place really.  Gardening and strategic apps go hand in hand when we're talking about prettying up one's credit report and resultant FICO score.


Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 683, EQ 8 690, TU 710, EX 715 (01/01/15)
Goal Score: 700 on EQ 04 (01/01/16)

Take the myFICO Fitness Challenge
Frequent Contributor
Posts: 397
Registered: ‎09-08-2010

Re: Garden Club Meeting - August 2012

For a man your age, you are doing awesome.  Take good care of those seedlings and they will take care of you!  I wish I would have thought to get my own AMEX when I was 21!   Keep up the good work!!

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Frequent Contributor
Posts: 305
Registered: ‎07-05-2011

Re: Garden Club Meeting - August 2012

Is there room for one more gardner?  I have applied for enough new credit this year.  My last new account is for a 2012 Camry so its time to pay some of this debt off.  Will stay in the gardent until August 2013.

Fico September 2012; TU 681, EX 674, EQ 652
Fako October 2012: TU 706, EX 641,

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