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Frequent Contributor
Posts: 297
Registered: ‎08-28-2012
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Re: Garden Club Meeting - December 2012

I'm joining the garden as well.  I got all the cards I wanted for now.  In the future I'd like the Chase Freedom or Chase Sapphire Preferred, but its not my priority at the moment.  I want to have the best possible score when I apply for a student loan for grad school.

AMEX BCE, Discover IT, Citi Forward, BoA Travel Rewards
FICO: EX 802 Last App: November 2012
Valued Contributor
Posts: 2,066
Registered: ‎06-16-2012
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Re: Garden Club Meeting - December 2012

[ Edited ]

I officially earned my bronze spade!  and 1 inquiry in the last 4 months...

Cards: (Chase x8) (Citi x6) (Amex x6) (BofA x3) (US Bank x3) (Barclays x4) (WF x2) (Cap1 x4) (Synch x4) (Penfed x2) (Macys Amex, Discover, USAA, Fidelity, NASA x1), PLOC: Citi (18k) WF (10k), Personal Loan: USAA (25K), Auto Loans: Ally, Audi Financial.
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
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Re: Garden Club Meeting - December 2012


dodgerslv wrote:

I officially earned my bronze spade!  and 1 inquiry in the last 4 months...


Woo, hoo... congrats! Feel free to add the spade to your siggy, if you'd like. After all, you've earned it. Smiley Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Valued Contributor
Posts: 2,066
Registered: ‎06-16-2012
0

Re: Garden Club Meeting - December 2012

[ Edited ]

tinuviel wrote:

dodgerslv wrote:

I officially earned my bronze spade!  and 1 inquiry in the last 4 months...


Woo, hoo... congrats! Feel free to add the spade to your siggy, if you'd like. After all, you've earned it. Smiley Happy


thanks tinuviel!!! Unfortunately i went application crazy for most of 2011-2012...and thanks this forum i have learned alot and refrained from applying and letting my credit age after months of rebuilding...have 15 INQ on EQ, 10 on TU and 24 on EX in the last 2 years (even though most of them are from late 2011-early 2012)...gardening for at least 6 more months and hopefully a year!

Cards: (Chase x8) (Citi x6) (Amex x6) (BofA x3) (US Bank x3) (Barclays x4) (WF x2) (Cap1 x4) (Synch x4) (Penfed x2) (Macys Amex, Discover, USAA, Fidelity, NASA x1), PLOC: Citi (18k) WF (10k), Personal Loan: USAA (25K), Auto Loans: Ally, Audi Financial.
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: Garden Club Meeting - December 2012


sakhalin070 wrote:

I'm joining the garden as well.  I got all the cards I wanted for now.  In the future I'd like the Chase Freedom or Chase Sapphire Preferred, but its not my priority at the moment.  I want to have the best possible score when I apply for a student loan for grad school.


 

Welcome to the garden club! Feel free to roll up your sleeves and start tending those nice plants! We also have mimosas!!! Haha. On a serious note; welcome to the club! I hope you find gardening as rewarding as I have! I had over 19 inquiries when I started!

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!



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Regular Contributor
Posts: 139
Registered: ‎05-30-2011
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Re: Garden Club Meeting - December 2012

Two more months until Platinum. Gotta stay strong!


Experian (Credit.com)- 832 (7/12/2015)
Equifax (Citi) Fico- 803 (5/28/15)
Transunion (Credit Karma)- 809 (5/28/15)
Vantagescore (Credit Karma)- 896 (8/2/14)
Vantagescore 3.0 (credit.com)- 809 (5/28/15)
Valued Member
Posts: 40
Registered: ‎04-18-2008
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Re: Garden Club Meeting - December 2012

But it's such a rush when you hit that Apply button....the anticipation of getting your results and credit limit is wonderful Smiley Tongue Must not app for at least a year...I have the cards and the limits I wanted...I'm gonna let this gardening thing grow on me Smiley Wink

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Valued Member
Posts: 41
Registered: ‎03-22-2012
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Re: Garden Club Meeting - December 2012

I am in the garden as of today no more apps for at least 6 months. 6/2013

 

Going to see if I can get these seedlings to grow Smiley Happy



Starting Score:FICO EQ 620 TU Fako 595 EX FAKO 628
Current Score: Lender Pull 10/2012 EX 719, EQ 704, TU 690

BOA $8500 I CitiForward $6500 I Chase Freedom $3000 I Discover More $1500 I Kohls $1000 I Orchard Bank $400
App free since 12/8/2012.. holding out til 11/2013
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: Garden Club Meeting - December 2012


natashahol wrote:

I am in the garden as of today no more apps for at least 6 months. 6/2013

 

Going to see if I can get these seedlings to grow Smiley Happy


 

Welcome to the garden! Trust me; in 6 months your scores will be thanking you!!!

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!



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Frequent Contributor
Posts: 346
Registered: ‎02-01-2012
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Re: Garden Club Meeting - December 2012

Hello everyone, I too have joined the garden for atleast 6 months. 

 

After about 10 months since starting my journey...My portfolio now looks like this: 

1) Discover More - $1,000 (Originally $500)

2) Citi Forward - $1,000 (Originally $500)

3) Capital One Journey - $1,000 (Originally 300 and went to $500 via credit steps) 

4) Chase Freedom - $500 (My new seed waiting to get it matched to $1,000) 

 

I'm very pleased that I have achieved this much in less than a year (with the exception of a few student loans that are about 4-5 months older)

 

On another note: I'm quite surprised we can have a Garden Club in December. Smiley Very Happy

 

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