Reply
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Garden Club Meeting - December 2012


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 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Valued Contributor
Posts: 2,280
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - December 2012

Argh! Pre approved for a 5k limit card at my job. But didn't bite. There wouldn't be an inquiry but my drop In aaoa. :smileysad: 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
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$6,400
Citi DC $10,000
Citizens Mastercard$7,000
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
0

Re: Garden Club Meeting - December 2012


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)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Established Member
Posts: 19
Registered: ‎08-24-2012
0

Re: Garden Club Meeting - December 2012

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)
Current Score: 714 EQ FICO; 700 TU FICO; 727 Walmart TU; 716 EX FICO (07/11/13)
Goal Score: 720 FICO across the board


Valued Contributor
Posts: 2,280
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - December 2012

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

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$6,400
Citi DC $10,000
Citizens Mastercard$7,000
Valued Contributor
Posts: 2,690
Registered: ‎09-26-2011
0

Re: Garden Club Meeting - December 2012

I'm still here. 

 

Frankly, I'm getting to the point where I'm not sure I'm making much progress...I'll go start a new thread and get some thoughts...

 

Meanwhile, no apps for me, and no real itchiness...the itch really DOES fade with a little self restraint at first.  :smileytongue:

Current Scores: EX: 615, TU08: 639, EQ: 607. 04/01/2015.

Zero percent financing is where the devil lives...
Established Contributor
Posts: 930
Registered: ‎07-30-2011
0

Re: Garden Club Meeting - December 2012

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. :-)


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Regular Contributor
Posts: 233
Registered: ‎10-03-2009
0

Re: Garden Club Meeting - December 2012

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 :smileyhappy: Will stay in garden until June 2013. I am loving this 6 month gardening. 

Filed BK 04/2011|BK Discharged 08/2011|Hard Pull I 12/05/2012 |


Starting Score: EQ 523 03/2012
Current Score: EQ 649 I TU 655 (02/2013) EX 672(01/2013)
Goal Score: 700 on all CR's 04/2013
Frequent Contributor
Posts: 495
Registered: ‎06-04-2011
0

Re: Garden Club Meeting - December 2012


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 MsLadyRover!
Wallet: Barclays Rewards MC-16k, Amex BCP-15k, Citi Forward V-sig-12.5k, Walmart MC - 7.5k, Amex ED-5k, Chase Freedom-6k, Target Visa- 1.5k
As of: 05/13/2015
Established Contributor
Posts: 619
Registered: ‎09-26-2011
0

Re: Garden Club Meeting - December 2012

I have learned that UTIL=Benadry. My scores have officially tanked nearly 100 points thanks to the new INQs, reduced AAoA, but mostly UTIL.  I know they will rebound as I get them paid back down again over the next few months, so there is 0 itchiness for me right now.

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.