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Regular Contributor
Posts: 134
Registered: ‎06-18-2013
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Re: Garden Club Meeting - August 2013

@myjourney

 

Thanks!  I will do just that.


Starting Scores 11/12/2012 EX - 590, EQ - 584, TU - 601
FICO Scores as of 02/06/2014 EX - 687, EQ - 659, TU - 697
BK 7 Discharged Oct 2010, In my wallet: NFCU VisaSiggy $26K; NFCU GoRewards $10K; NFCU Navcheck $15K; Star Furniture $5K, Conns Credit $7K, GE (Ashley Furniture) $1K, GE (Rooms to Go) $3K, Barclay Arrival MC $3K; PWFCU Visa $2.5K; Cap1 Quicksilver1 $2K; Chase Freedome $500; Cap1 Secured $500
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Senior Contributor
Posts: 30,826
Registered: ‎02-07-2013
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Re: Garden Club Meeting - August 2013


gogotexan wrote:

@myjourney

 

Thanks!  I will do just that.


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Then in upper right hand corner hit quote 

type in your response Smiley Wink

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
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Re: Garden Club Meeting - August 2013

@tcbofade

I'll be there with you...CLI's here we come!
Senior Contributor
Posts: 3,527
Registered: ‎09-26-2011
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Re: Garden Club Meeting - August 2013

[ Edited ]

09Lexie wrote:
@tcbofade

I'll be there with you...CLI's here we come!

Hmmm.  Assuming that my math is correct, and nobody changes their policies, methinks that I'm looking at 11 CLI's between here and 01/31/14.

 

EX will lose 11 inquiries, EQ will lose 14, TU will lose 5.

 

(I know that those inq's are already old enough that they don't affect my score, but it's still quite a bit when some PERSON is looking at my credit report...)

 

...but I'll STILL be at 44% util.  ARGH!!!!

Current Scores: EX08: 561, TU08: 591, EQ08: 608. 10/03/16. Last App: 09/26/16.

Zero percent financing is where the devil lives...

Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
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Re: Garden Club Meeting - August 2013

@tcbofade

I'm so excited for you! That's a nice number in potential CLI's and getting rid of that dead weight aka inq's is perk!
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Regular Contributor
Posts: 208
Registered: ‎07-27-2012
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Re: Garden Club Meeting - August 2013

[ Edited ]

Still gardening. No new changes since last time I checked in except for an increase in my CK. Looks like my CLI is finally reporting.

Current Cards: AMEX Everyday ($15k), AMEX BCE ($20k), Amex Platinum, Arrival ($11.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($6.5k)

2/16 - 864 Fico EQ (CITI); 818 Fico Ex (AMEX)
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
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Re: Garden Club Meeting - August 2013

Community Leader
Senior Contributor
Posts: 30,826
Registered: ‎02-07-2013
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Re: Garden Club Meeting - August 2013


ceemee2203 wrote:

Still gardening. No new changes since last time I checked in except for an increase in my CK. Looks like my CLI is finally reporting.


Looking good CK shows your moving in the right direction...UP

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Frequent Contributor
Posts: 351
Registered: ‎07-13-2013
0

Re: Garden Club Meeting - August 2013

[ Edited ]

Wow. A lot of new post for just the first day of the new month!

 

Nothing new to report here. Still gardening. Still waiting for CapOne to show up on the CRs. Waiting for my store cards to all report $0 as their new balance as well. Store cards will be going bye-bye in a couple of months. Scores have gone up with just the one NFCU card reporting now since UTL is showing around 1% now.

 

Kind of sad. I was getting all of these CapOne and NFCU paperwork and docs and cards in the mail all through July. Now its quiet - save for a pre-approval here and there. I'm just waiting on the specific Navchek LOC checks to arrive. I'm feeling a little withdrawal. Smiley Sad

 

New month of gardening. I have to go back to see when I am eligible for the bronze spade.


Past - CH7 BK Discharged 01/09 | Rebuild Started 05/12 Present - All IIBs GONE! Future - 2015 Mortgage
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
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Re: Garden Club Meeting - August 2013

@sweettea

Pre-approvals are always nice. Since you are gardening, it can be tempting

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