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Community Leader
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coldnmn
Posts: 14,979
Registered: ‎08-08-2011
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Re: Garden Club Meeting - August 2014

:smileyhappy: Good morning GC!

My Wallet /US Bank Cash+ Signature $10,000/ Ace US Bank Signature $10,000 / Sam's Mastercard $8500
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Last App 8/12/14 /

Moderator
Kenny
Posts: 5,967
Registered: ‎01-15-2009
0

Re: Garden Club Meeting - August 2014


coldnmn wrote:

:smileyhappy: Good morning GC!


Morning! :smileyhappy:

Starting Score: EQ04: 748 (1/31/14) - TU08: 755 (1/06/14)
Current Score:EX08:776(11/05) - EQ04:770(10/31) - EQ08:796(11/08) - TU08:798(11/18)
Goal Score: 800+
Community Leader
Mega Contributor
coldnmn
Posts: 14,979
Registered: ‎08-08-2011
0

Re: Garden Club Meeting - August 2014


KennyRS wrote:

coldnmn wrote:

:smileyhappy: Good morning GC!


Morning! :smileyhappy:


:smileyhappy: Good morning Kenny!

My Wallet /US Bank Cash+ Signature $10,000/ Ace US Bank Signature $10,000 / Sam's Mastercard $8500
/ Walmart Mastercard $8000 / Discover IT $5000 / Care Credit $5000
/ Husqvarna $5000 / PayPal SmartConnect $4800 / Cap1 Quicksilver $4000 / Barclay Ring $3550
Last App 8/12/14 /

Regular Contributor
nma851
Posts: 148
Registered: ‎04-23-2013
0

Re: Garden Club Meeting - August 2014

Happy August to the GC!

 

Really enjoying this garden-time & watching the growth.  Time is truly our best friend :smileyhappy:.  

 

I'm a bit concerned as I will need to begin car-hunting ASAP as about 3 wheels are 'in the grave'...  I honestly did not anticipate this - at least not THIS soon - and is basicaly going to destroy the last (going on) 2 years of hard work & additional growth.  There is no choice in the matter; one has to get from point A to B & back!

 

Nonetheless, IIRC, I have about 2 weeks or so to rate/car shop to have them "lumped together" (inq wise that is).  I doubt the INQ will really hurt, if at all, as August was a 1 year mark leaving me with 2 INQ's.  Still, the new installment account is something I am trying to put off as long as I possibly can since I don't want to backrack & have to start all over again.  

 

Whenever my last installment accounts were closed/paid, I actually had a drop then & recovered since (closed in April, bounced back the next month or July at most - odd).  As such, I have not had an open installment account since April and I've been pretty much 'stagnant' score-wise ever since.  I know, I know, it's all in the wonderful formulas & enhancements and the price of eggs in every country LOLOL. 

 

It's been a LONG time since I even financed a vehicle, "back in the day" I would get a new car every 2-3 years, and I hate to go into this blindly.  Once I get down to the 3 models/makes, then & only then will I start the financing process.  I wish I could use my bank as the note-holder however if I can get a 0% deal, obviously I would be a fool to NOT take that over the (pretty-much) guaranteed approval.  Interest or no interest is a no brainer!!!

 

Anyway my GC friends, if anyone has a few words of wisdom, I'm listening.  Even if you want to offer some experiences with the Make/Model, I'm all ears for that too.  

 

Other than this, thank you all in advance, I hope you are all doing well & have a great weekend, and look forward to "everything" :smileyhappy: :smileyhappy: :smileyhappy: 

 

Take care & thanks again!!!!

PS:  This "STUCK" at 799 nonsense is TRULY getting old!!!  Would ONE POINT really hurt em to make a crippled guy smile LOLOL


C1 QS-REW: $4,000; C1 V-REW: $4,000; RING: $8,200; AZ REW: $3,000; FREEDOM: $3,400. SCORES: EX: 799; TU: 785, EQ: 790 - 09 JUL 14. STARTING: EX 635 TU 629 EQ 630 - 19 Oct 2012. GOAL: 800 ACROSS & IN THE GARDEN!
Valued Contributor
Swapmeet
Posts: 1,569
Registered: ‎11-10-2012
0

Re: Garden Club Meeting - August 2014

[ Edited ]

Ok gardeners...you might want to take a ss of my gold spade :smileywink: it is my first one ever, and I doubt it will be here very long. I will be seeking cli on my usaa cards here pretty quick--probably next week. Check that, perhaps 10-14 days to let a couple inqs age first.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Frequent Contributor
Focused10
Posts: 252
Registered: ‎02-28-2008
0

Re: Garden Club Meeting - August 2014

Checking in for August. Picked up my bronze spade. A couple  of days for my Amex 3x cli attempt. Looking forward to reporting good news!

My Purse

AMEX: $25.2 | Chase Frdm: $10K | Citi: $5K | FNB: $10K | NASA: $25K | CapOne QS: $10K


Valued Contributor
Swapmeet
Posts: 1,569
Registered: ‎11-10-2012
0

Re: Garden Club Meeting - August 2014

Right on focused...me too. Congrats on your spade and gl on your 3x!



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Valued Contributor
juggalo9er
Posts: 1,551
Registered: ‎10-24-2013
0

Re: Garden Club Meeting - August 2014


nma851 wrote:

Happy August to the GC!

 

Really enjoying this garden-time & watching the growth.  Time is truly our best friend :smileyhappy:.  

 

I'm a bit concerned as I will need to begin car-hunting ASAP as about 3 wheels are 'in the grave'...  I honestly did not anticipate this - at least not THIS soon - and is basicaly going to destroy the last (going on) 2 years of hard work & additional growth.  There is no choice in the matter; one has to get from point A to B & back!

 

Nonetheless, IIRC, I have about 2 weeks or so to rate/car shop to have them "lumped together" (inq wise that is).  I doubt the INQ will really hurt, if at all, as August was a 1 year mark leaving me with 2 INQ's.  Still, the new installment account is something I am trying to put off as long as I possibly can since I don't want to backrack & have to start all over again.  

 

Whenever my last installment accounts were closed/paid, I actually had a drop then & recovered since (closed in April, bounced back the next month or July at most - odd).  As such, I have not had an open installment account since April and I've been pretty much 'stagnant' score-wise ever since.  I know, I know, it's all in the wonderful formulas & enhancements and the price of eggs in every country LOLOL. 

 

It's been a LONG time since I even financed a vehicle, "back in the day" I would get a new car every 2-3 years, and I hate to go into this blindly.  Once I get down to the 3 models/makes, then & only then will I start the financing process.  I wish I could use my bank as the note-holder however if I can get a 0% deal, obviously I would be a fool to NOT take that over the (pretty-much) guaranteed approval.  Interest or no interest is a no brainer!!!

 

Anyway my GC friends, if anyone has a few words of wisdom, I'm listening.  Even if you want to offer some experiences with the Make/Model, I'm all ears for that too.  

 

Other than this, thank you all in advance, I hope you are all doing well & have a great weekend, and look forward to "everything" :smileyhappy: :smileyhappy: :smileyhappy: 

 

Take care & thanks again!!!!

PS:  This "STUCK" at 799 nonsense is TRULY getting old!!!  Would ONE POINT really hurt em to make a crippled guy smile LOLOL


whatswrong with your car i you do not mind me asking

the beatings will continue until moral improves Wal-Mart 300 lowes 500 cap 1 3000 Barclay rewards 800 upromise 3800
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Regular Contributor
credit_challenged09
Posts: 180
Registered: ‎01-15-2009
0

Re: Garden Club Meeting - August 2014

back in the garden club after applying for JCP and an auto loan.. with a $400 credit limit.   still undecided on car that I want.

FICO Scores: (EX-735-11/12) EQ-706-10/17 (TU-750-11/12)
Discover FICO: 750 - 11/17 Walmart FICO: 750 -11/08
USAA FAKO: EX-742 EQ-761 TU-743

Macys $2.5k - USAA Secured $2.5k - NFCU $20k - Discover $2.5k - Cap One $2000 - Nordstrom $3.5k - Wells Fargo $1k - Walmart $2.3k - The Limited $700 - Victoria's Secret $1.5k- Bloomingdales $2k- JCP $700
Established Contributor
DaniBananiie
Posts: 990
Registered: ‎03-09-2013
0

Re: Garden Club Meeting - August 2014

Morning y'all!
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