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

Re: Garden Club Meeting - August 2012

Thanks guys!

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
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - August 2012


webhopper wrote:
Well guys; app free since Monday. I locked my rate today. 3.75% and I have to bring about $1600 to close. The lender is giving me a good credit about 4500 credit towards closing. With this refi I cant increase the loan amount; so the credit is helping me get it done faster.

I'm happy!

 

Good for you! Congratulations!!!!! :smileyvery-happy:

 


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
Valued Contributor
Posts: 2,690
Registered: ‎09-26-2011
0

Re: Garden Club Meeting - August 2012

DW has gotten her SECOND preapproval from Citi in less than a week.

 

...still gardening, still gardening...

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

Zero percent financing is where the devil lives...
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Garden Club Meeting - August 2012


tcbofade wrote:

DW has gotten her SECOND preapproval from Citi in less than a week.

 

...still gardening, still gardening...


Stay Strong!!!!!! :smileyhappy:




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
Super Contributor
Posts: 5,703
Registered: ‎10-06-2007
0

Re: Garden Club Meeting - August 2012


tcbofade wrote:

DW has gotten her SECOND preapproval from Citi in less than a week.

 

...still gardening, still gardening...



That's what I call "peer" pressure or at least the forum friendly version of it.

 

Hang tough.

11/28/2014 FICO: EQ: 796 EX:788 TU:803
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - August 2012


marty56 wrote:

tcbofade wrote:

DW has gotten her SECOND preapproval from Citi in less than a week.

 

...still gardening, still gardening...



That's what I call "peer" pressure or at least the forum friendly version of it.

 

Hang tough.


 

Indeed! You can do it!!!

 


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
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Garden Club Meeting - August 2012

If i had a few INQ's from 8/4/11 on my EQ report, you think they would be gone today or should I wait until tommorow to pull a new FICO report??

 

I reaaaaallllllly want to pull one right now!!!! :smileyvery-happy:




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
Valued Contributor
Posts: 2,111
Registered: ‎07-29-2011
0

Re: Garden Club Meeting - August 2012

[ Edited ]

LS2982 wrote:

If i had a few INQ's from 8/4/11 on my EQ report, you think they would be gone today or should I wait until tommorow to pull a new FICO report??

 

I reaaaaallllllly want to pull one right now!!!! :smileyvery-happy:


And that sounds like frivolous spending.  You aren't applying for credit anytime soon.  If you use SW, just wait for the update. 

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
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Garden Club Meeting - August 2012


DaveSignal wrote:

LS2982 wrote:

If i had a few INQ's from 8/4/11 on my EQ report, you think they would be gone today or should I wait until tommorow to pull a new FICO report??

 

I reaaaaallllllly want to pull one right now!!!! :smileyvery-happy:


And that sounds like frivolus spending.  You aren't applying for credit anytime soon.  If you use SW, just wait for the update.


But I don't wanna!!!!!!!!!!!!!! (throws mini tantrum) :smileyvery-happy:

 

Nah I wanna see if they take away that "seeking credit" ding from my negatives.

 




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
Valued Contributor
Posts: 2,690
Registered: ‎09-26-2011
0

Re: Garden Club Meeting - August 2012

[ Edited ]

LS2982 wrote:

DaveSignal wrote:

LS2982 wrote:

If i had a few INQ's from 8/4/11 on my EQ report, you think they would be gone today or should I wait until tommorow to pull a new FICO report??

 

I reaaaaallllllly want to pull one right now!!!! :smileyvery-happy:


And that sounds like frivolus spending.  You aren't applying for credit anytime soon.  If you use SW, just wait for the update.


But I don't wanna!!!!!!!!!!!!!! (throws mini tantrum) :smileyvery-happy:

 

Nah I wanna see if they take away that "seeking credit" ding from my negatives.

 


So, you're seeking to see if they're seeing that you're seeking, right?  :smileywink:

 

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

Zero percent financing is where the devil lives...
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 myFICO.com 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.