MsLadyRover wrote:Hello Everyone!
Just returning from vacation and was happy to come home to a nice shiny new Silver Spade! Today is app free day #103 and there is no itch in sight!
Looking forward to a wonderful holiday season in the garden!
Congrats on your silver spade!!!
I am still app free, proud holder of bronze spade!
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
in jan if I get my Costco Amex ill be accepting that offer and would put me where I want to be. For chase and other amex's In the future But for now firmly planted
webhopper wrote:
MsLadyRover wrote:Hello Everyone!
Just returning from vacation and was happy to come home to a nice shiny new Silver Spade! Today is app free day #103 and there is no itch in sight!
Looking forward to a wonderful holiday season in the garden!
Congrats on your silver spade!!!
I am still app free, proud holder of bronze spade!
Thank you! Congrats to you as well for still holding on strong!
Starting Score: 639 (Walmart TU)
I was a good gardener for 6 months (April -Nov10). I was on a mission to improve scores to access prime CC and homeownership by paying off all my debts - 3 Tax Liens, Chargeoff, 2 collections;and $1600 in active CC before the holidays. Mission nearly accomplished- I only owe JCP $122. Scores had improved over 110 pts in that time across the board. So I took the plunge and dove in apping 5 times in November. SUCCESS!!!! 2 Barclay cards, Walmart and CU Mastercard (BOA turned me down). I'm done until at least June when I hope to have broke 750 score and nailed down a mortgage. Happy Holidays to all and good gardening!
Starting Score: 536 CK (07/11); 610 EQ Fico (08/12)im really getting the itch! i really want that 5k card!
its not an inq but it is a new tradeline.
ill be calling the employee line to see if i can merge 3 lines into one to make it a 7500 card. and if they do i might just do it.
History
07/12 got employee card-500 limit
08/12 got pre approval for 2k took it. (no hard pull)
12/12 pre approval for 5k.... (no hard pull here ethier )....
this is harder then it should be!
im happy with the zync i can always wait till next jan to app for bce and true earnings....
someone please guide me towards or away. i cant decide
I'm still in the garden, going strong. No apps and no soft CLIs either this month. The big news for me is that I was able to find a new job, so I rewarded myself with a sweet new Gibson Les Paul electric guitar. I've been scrimping and saving for so long that it was nice to splurge on something fun. :-)
Would have received my gold spade on Friday, but after speaking to several people they all stated to maximize my score I need 3 revolving credit cards. So I applied for Barclay who denied me in June 2012 because of no revolving credit and now six months later I was approved 
Will stay in garden until June 2013. I am loving this 6 month gardening.
Starting over in the garden...my seed has been planted:-)Last app: 02/23/2013
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