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Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012

Re: Garden Club Meeting - December 2012

WOW!

 

I would never have believed it, but gardening has been so good for me (as well as paying off more revolving debt). :smileyhappy:

 

I just got my EQ FICO from M&T Bank, and for the first time ever I hit...  760!

 

Can't believe it.  Of course, this will drop once some of my holiday spending reports, but I expect it to bounce back over the next few months as I finish paying off ALL revolving debt - goal is to have this done by 6/13.

 

Just felt the need to share, as this is a huge milestone for me.  100 points up in one year. :smileyhappy:


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012

Re: Garden Club Meeting - December 2012

One month and 25 days since last app and having the itch to apply for paypal MasterCard but am scared I might not the the MC version... :smileyfrustrated: .. Hoping to stay in the garden one day @ a time ....


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Regular Contributor
loviedovie
Posts: 203
Registered: ‎12-20-2012

Re: Garden Club Meeting - December 2012

Congrats TNTransplant!  100 points in a year is huge!

 

 :smileyhappy:


Starting Score: EXP 615 | TU 610 | EQ 635
Current Score: EXP 719 (lender pull 10/15) | TU 707 | EQ 700 (lender pull 10/25)
Goal Score: 740
Valued Contributor
maiden_girl
Posts: 1,736
Registered: ‎12-29-2011

Re: Garden Club Meeting - December 2012

I feel done applying for credit as I have the one thing I've been trying so hard to obtain for some time now. An auto loan. I like the cards I've come to add to my collection. I will garden them and work on getting my balances down to something reasonable--hopefully all reporting $0 in the next 3 months. Currently about $4,700 in credit card debt but I don't think that's too bad from a credit standpoint. Also about $13,000 on my auto loan. First payment is next year! My plan is to not apply for any credit any time next year as I have no reason to. I will set a reasonable goal for myself and say 3 months with no apps. If I do well...3 more months without app'ing. I think its possible. The final card I added to my collection was US Bank Flex Perks Select. I'm hoping this application will lead to me having it PC'd over to Cash+. I think that wraps up 2012. Last app was 12/17/2012 :smileyvery-happy:

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal scores: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (3.0k) | Chase Freedom NPSL | Citi Simplicity (8.0k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
New Contributor
Sladyesq
Posts: 58
Registered: ‎09-27-2008

Re: Garden Club Meeting - December 2012

I had to trade in my bronze spade for a seedling.  I app'd for the Walmart card and happy to say I was approved!  Merry Christmas



Starting Score: 644 EQ 548 EX 567 TU
Current Score: 644 EQ 665 EX (12/25/12 lender pull) 635 (Walmart 1/3/13) TU
Goal Score: 760

Goal: no apps until August 2014! Last app: 8/2/2013
Take the FICO Fitness Challenge
Valued Contributor
tcbofade
Posts: 1,747
Registered: ‎09-26-2011

Re: Garden Club Meeting - December 2012

Oddly, as 01 January approaches, I really have no desire to app for anything.

 

Last app was sometime in August, when I refinanced DW's car.

 

My util is still kinda high, as is hers.  Still too many inq's to even apply for a "prime" card.

 

Hopefully, 2013 will be a better year for us financially, and we can reduce our CC debt.



Current Scores: EX 711 (FCR) TU08: 658 Wally (TU08). Last app 03/08/2014.

Gardening until October 2014.

(Thou shalt not app, thou shalt not app, thou shalt not app...)

Zero percent financing is where the devil lives...
Valued Contributor
tcbofade
Posts: 1,747
Registered: ‎09-26-2011

Re: Garden Club Meeting - December 2012


TNTransplant wrote:

Just felt the need to share, as this is a huge milestone for me.  100 points up in one year. :smileyhappy:


That's great!  It inspired me to check how I did...not quite as well, but the four scores that I can see all went up!

 

My EX Fako rose 77 points.  My TU08 rose 15 points.

 

DW EX Fako rose 61 points, her TU08 rose 5 points.

 

:smileyhappy:



Current Scores: EX 711 (FCR) TU08: 658 Wally (TU08). Last app 03/08/2014.

Gardening until October 2014.

(Thou shalt not app, thou shalt not app, thou shalt not app...)

Zero percent financing is where the devil lives...
Valued Contributor
maiden_girl
Posts: 1,736
Registered: ‎12-29-2011

Re: Garden Club Meeting - December 2012

I'm gonna check my reports after my auto loan hits. My FICO took a hit this month. I'm up to 29 inquires on TU...god only know how many on EX and EQ. I think I lost a total of 50 points :smileysad:  Need to update my signature with current scores. Lol.

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal scores: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (3.0k) | Chase Freedom NPSL | Citi Simplicity (8.0k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Frequent Contributor
CreditChampion
Posts: 260
Registered: ‎03-15-2012

Re: Garden Club Meeting - December 2012

Appless since June.....well that is if you don't count apping for your pops lol


Fico Scores: 763 EQ(12/11/12) 768 TU(12/11/12) ? EX(TBD)
AMEX Zync NPSL(AU) Citi Forward $4k Discover it $2000 Wells Fargo Cash Back $1300 BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $1250
Capital One Secured Card (AU) $251 Capital One Platinum (AU) $500
Valued Contributor
creditnocash
Posts: 2,164
Registered: ‎07-23-2012

Re: Garden Club Meeting - December 2012

well my score tanked this month. went from 2 cards reporting at 6% to like 6 cards reporting at 24% (actually less but thats what it will be if i dont pay anything else) (and 3 of them appear to be maxxed (more then 80%)) 

Last myfico update dropped my score to 660. hoping to get back up to 700's in the next couple months as 4 of my inq will be a year plus. most of my accounts will be over 6+months mark.  plus ill hit a year aaoa in a couple months. 

paid off my amex in full since its a charge. 

christmas on top of new iphone really hurt my wallet lol. 

ive decided to just forget about another amex until next year. (that way id have the zync with a solid year and a half payment history instead of 6 months)

5k Citizens.

1k Freedom

and Amex Zync 

 

are all i need in my wallet. 

i do have store cards though. 

best buy has a 1600/2500 (0% until novemebr of 14)balance atm and macys will report a 700/3500 balance due to some holiday shopping but that will be paid off since its a 24.99apr ouch. 

chase has gotten some use since their auto cli to 1k. and has a balance of 650 but will be pif before it reports. on the 7th of jan. 

 

but i did get about 375 dollars in christmas money so that will be going towards that. 

besides paying the car and the cards no more shopping. (morning starbucks runs dont count towards this though) 

 

happy gardening and hoping everyone is enjoying their holidays.. onto the new year we go. 

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

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