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Garden Club Meeting - December 2012

Established Contributor

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). Smiley Happy

 

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. Smiley Happy


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

Message 261 of 297
Established Contributor

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... Smiley Frustrated .. Hoping to stay in the garden one day @ a time ....


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 262 of 297
Regular Contributor

Re: Garden Club Meeting - December 2012

Congrats TNTransplant!  100 points in a year is huge!

 

 Smiley Happy


Starting Score: 580
Current Score: 780
Goal Score: 800


Take the myFICO Fitness Challenge
Message 263 of 297
Valued Contributor

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 Smiley Very Happy

As of 2017, rebuilding...
Message 264 of 297
Established Contributor

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:EQ 586 TU 527 EX 532
Current Score: EQ 655 TU 668 EX 669
Goal Score: 760- Last app 9/11/17


Take the myFICO Fitness Challenge
Message 265 of 297
Senior Contributor

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.


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
04/01/18 Fico8 scores: EX 637, EQ 630, TU 644 ow!
Message 266 of 297
Senior Contributor

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. Smiley Happy


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.

 

Smiley Happy


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
04/01/18 Fico8 scores: EX 637, EQ 630, TU 644 ow!
Message 267 of 297
Valued Contributor

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 Smiley Sad  Need to update my signature with current scores. Lol.

As of 2017, rebuilding...
Message 268 of 297
Highlighted
Frequent Contributor

Re: Garden Club Meeting - December 2012

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

Fico Scores:800+Club

Marvel MC 25K AMEX BCE 18K AMEX Blue Sky 13.6K AMEX BCE 13.5K AMEX Zync
NPSL(AU) Citi Double Cash 14.5K PenFed Plat Rewards 14.5K Citi Forward 10.3k Discover it 9.5K Wells Fargo Cash Back 7.2K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed) PenFed PLOC 14K
PenFed Promise 5K
Message 269 of 297
Valued Contributor

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: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 270 of 297