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Garden Club Meeting - August 2013

Regular Contributor

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
Message 231 of 5,437
Super Contributor

Re: Garden Club Meeting - August 2013


gogotexan wrote:

@myjourney

 

Thanks!  I will do just that.


Tip 

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To save you some time 

If you wish to answer someones post under that message hit reply

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?
Message 232 of 5,437
Moderator Emerita

Re: Garden Club Meeting - August 2013

@tcbofade

I'll be there with you...CLI's here we come!
Message 233 of 5,437
Senior Contributor

Re: Garden Club Meeting - August 2013


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!!!!


Gardening since 10 Jan 2018. Gardening until I hit 700 or 15 April. Whichever comes first. Smiley Tongue
Zero percent financing is where the devil lives...
10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
01/01/18 Fico8 scores: EX 655, EQ 661, TU 650
Message 234 of 5,437
Moderator Emerita

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!
Message 235 of 5,437
Highlighted
Regular Contributor

Re: Garden Club Meeting - August 2013

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)
Message 236 of 5,437
Moderator Emerita

Re: Garden Club Meeting - August 2013

Message 237 of 5,437
Super Contributor

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?
Message 238 of 5,437
Frequent Contributor

Re: Garden Club Meeting - August 2013

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
Message 239 of 5,437
Moderator Emerita

Re: Garden Club Meeting - August 2013

@sweettea

Pre-approvals are always nice. Since you are gardening, it can be tempting
Message 240 of 5,437