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Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
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Re: Garden Club Meeting - August 2012


Steelersfan904 wrote:

So my patience and learning is paying off, bumped my score up tp 631 now


 

Yay!!! Way to go! Keep up the good work. :smileyhappy:

 


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
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Posts: 17,075
Registered: ‎07-14-2009
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Re: Garden Club Meeting - August 2012


tinuviel wrote:


Actually, I believe that lithium78 is platinum, and MarineVietVet, while not adding it into the sig, commented in last month's meeting: "MarineVietVet wrote:

5+ years and still counting."

 

So, if it wouldn't be too much of an imposition, it would be wonderful if we had those icons available. It was very kind of you to provide the ones that you did. :smileyhappy:

 


Alas I can no longer say that. After looking for just the right place for a second home for literally decades we finally found a property in southern Colorado. We made an offer and it's been accepted and we'll hopefully close on August 31st.

 

It's strange seeing a HP on my reports because it's been so long since I've had one but in this case it's well worth it. There shouldn't be a problem getting approved (going VA). Both our middle scores were 801, our front end DTI is 10%, and utilization right at 13%.

 

I thought I had applied for my last mortgage many years ago but this is an opportunity we can't pass up.

Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
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Re: Garden Club Meeting - August 2012


MarineVietVet wrote:

tinuviel wrote:


Actually, I believe that lithium78 is platinum, and MarineVietVet, while not adding it into the sig, commented in last month's meeting: "MarineVietVet wrote:

5+ years and still counting."

 

So, if it wouldn't be too much of an imposition, it would be wonderful if we had those icons available. It was very kind of you to provide the ones that you did. :smileyhappy:

 


Alas I can no longer say that. After looking for just the right place for a second home for literally decades we finally found a property in southern Colorado. We made an offer and it's been accepted and we'll hopefully close on August 31st.

 

It's strange seeing a HP on my reports because it's been so long since I've had one but in this case it's well worth it. There shouldn't be a problem getting approved (going VA). Both our middle scores were 801, our front end DTI is 10%, and utilization right at 13%.

 

I thought I had applied for my last mortgage many years ago but this is an opportunity we can't pass up.


 

No, that's a great opportunity, and I'm so happy that your offer's been accepted. And after all, what's a great score good for if you can't use it to secure the credit you need. :smileywink:

 

You were in the garden a good, long time... you're my hero! See, it can be done! :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
Established Contributor
Posts: 930
Registered: ‎07-30-2011
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Re: Garden Club Meeting - August 2012


DaveSignal wrote:

Here are some ideas.  I hope the platinum will work as it is a larger image than the other spades, but you couldn't see the shine on it very well without a little bit of shadow.  As long as people don't have a huge sig with 10+ credit cards listed in there, it should work.  Otherwise, maybe someone else can come up with a platinum badge.  

 

Here they are, if anyone gets this far:

Platinum:

<img src="http://i.imgur.com/vVRv5.png" border="0" alt="" title="" width="120" height="80" align="right" />

 

Diamond:

             

<img src="http://i.imgur.com/40nIa.png" border="0" alt="" title="" width="40" height="40" align="right" />

 

 

 


Thanks for the platinum spade image!  It looks great on my sig line! :-)


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

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Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
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Re: Garden Club Meeting - August 2012

it does look good

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Garden Club Meeting - August 2012

I want my Bronze!!! 10 more days!!! :smileymad:




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: 2,982
Registered: ‎02-09-2012
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Re: Garden Club Meeting - August 2012


LS2982 wrote:

I want my Bronze!!! 10 more days!!! :smileymad:


Like mine? :smileyvery-happy:

 

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Garden Club Meeting - August 2012

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!

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!



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

CONGRATS!!!!

 

Very happy for you!!!

 




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
Moderator Emeritus
Posts: 11,072
Registered: ‎12-30-2011
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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!

Grats Webby!  

 

Got slightly delayed in my quest to refinance my car, so only visiting the garden for a few weeks after taking a CLI on my silly secured card that'll hopefully make a difference for future approvals.  On the plus side my scores continue to move up, didn't appear as though I took a hit FICO wise for my inquiry at all (no surprise there as there's something like 9 counted against me from car shopping and 8 of which appear to be miscoded).  Guessing I'm going to flat line score wise until October, new plan is still to get my car refinanced ASAP upon being able to establish income and if my balances aren't jacked, and then take the initial Amex stab in October.  If approved I may simply make the other 2 apps there too, but my report will look better in December / Jan so maybe better to wait on those.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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