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Frequent Contributor
bluesnowman
Posts: 464
Registered: ‎10-29-2012
0

Re: Garden Club Meeting - December 2012

I'm in too. I thought about not applying until December, but it was too tempting and I told myself, I might as well just pull the trigger anyways and I was fortunate enough to get approved. I'm here until May, and in May I'm going for the Freedom and maybe the BCE/Starwood/Delta Cards (one or two of the 3.) and see what happens. 

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Regular Contributor
jennylocha
Posts: 199
Registered: ‎11-24-2012
0

Re: Garden Club Meeting - December 2012

I'm gardening since my apping spree in late August. I'm still new to this, but I've got this credit thing down to a science at this point so that I can maintain my score and have it grow. I have a lot of hard inquiries on my reports, but that's because I did them all at the same time, they should fall off at the same time so that helps me sleep at night. Lol! Just recently apped for the Cap One Cash Rewards (my first rewards card) and was super excited to see it come in the mail yesterday! Slowly building my portfolio so that I can start apping for the big dawgs in mid 2013 so that I can drop some of these store cards. 

 

I'm just happy that I didn't have to start my credit building with secured cards and I went straight with cards that make sense for building. As much as everyone talk crap about Cap One in some threads, I've never had an issue with them and they're the one that gave me a chance with my new credit when the bigger cards wouldn't so I'm loyal to them. All of the other cards are just there for coupons because I actually did shop at these stores, the only difference now is that I have the card and more discounts with the coupons I get in the mail. 

 

I wish everyone a successful December as this is the hardest time of the year to behave! I on the other hand told all adults in my family not to expect anything from me this year as I am experiencing a broke period in my life. (Wink wink!) I'm determined and determination never killed nobody! CAN SOMEONE PASS ME THE WATER HOSE, IM READY TO GARDEN MAN! Lol!

Current Score: TU 671 / EQ 675 / EX 682
Goal Score: 700 Club Across the board!

Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

Re: Garden Club Meeting - December 2012

1 month app free.......its time to pay down my balances......I just got a boost of 16 yrs of AAoA from my amex accounts opened....this should help my gardening....


Valued Contributor
Repo-ed
Posts: 2,960
Registered: ‎02-09-2012
0

Re: Garden Club Meeting - December 2012

I'm back to Bronze, but come January, I'll be on my first "spree" of sorts.  Will try to get (my local CU offered) CU CC with at least 10k CL.  Will go for USAA (Full member) World MC, Amex PRG, Amex True Earnings, SWA Visa, and Marriott Rewards.

 

We'll see how I feel come time to hit the button - who knows, I may do nothing at all and just leave my butt planted right here.

 

:smileysurprised:

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Moderator Emeritus
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - December 2012

It's the first of the month, so I just pulled my new reports from myFICO. I'm up 1 point from this time last month on EQ, but my jaw dropped when I saw TU... it went from 725 to 744, a 19 point jump!!! :smileyvery-happy:

 

I reviewed everything on myFICO's analysis of my reports. Last month, under the tab "Understanding Your Score" one of the factors listed as hurting my score was "You've recently opened too many new credit accounts," showing 4 accounts opened in the past year. This month, that factor doesn't appear at all. So I'm left wondering if some account aging has started to factor in??? My util hasn't changed much -- 5% last month, 4% this month.

 

Whatever the reason, I'm thrilled! I was hoping to break into the 740s next year, so I was excited to see one of my scores jump into that range already. Next year, I'm hoping to get all of my scores 740+. If I stay focused and on track, this should be doable. Gardening works!!!


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
Established Contributor
Cageym
Posts: 514
Registered: ‎07-31-2012
0

Re: Garden Club Meeting - December 2012

[ Edited ]
I'm in for awhile. I finished off the year with a Citi Visa LOC and a BCE that is backdated to match my other Amex cards in 1993. I might be car shopping in May but I think I'll just sit here until then and water some plants. See how close to the magic 800 I can get my scores to creep.LOL EDIT: Or not. I do have a 61 day CLI to ask for in Feb.

What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Garden Club Meeting - December 2012

I'm still in the garden! Congrats tinuviel on that nice increase!

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
Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
0

Re: Garden Club Meeting - December 2012

[ Edited ]

Well, how fitting that I end the year in the garden – right where I started when I began this journey in January of this year.  I did leave several times during this year (mostly planned, but some impulsive apps in there, too), but I will hit 90 days app-free the middle of this month and will pick up my first silver spade to celebrate.:smileyhappy:

 

This has been a great year for me, and I’ve learned so much from this forum.  I started with nearly every CC maxed out and an overall utilization of around 70-75%.  After aggressively paying down revolving debt, getting SP CLIs, and obtaining several new higher limit cards, my overall utilization is less than 10% and my scores have improved to what is noted in my signature line.

 

The primary goal for this month is to not go crazy with Christmas spending and keep myself on track to continue paying down revolving debt.  No urges to app for anything at this point, and that’s a good thing. 


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

New Contributor
Dexter80
Posts: 76
Registered: ‎10-25-2012
0

Re: Garden Club Meeting - December 2012

Joining the club.  Wake up call when Chase Freedom declined me because of too many inq and recent accounts - time to slow my roll.  

Focused at keeping util % down, continue battling with my last blemish on my TU & EQ (Verizon), and refraining from any apping.  December 1 good date to start...

Cheers everyone!

Dec 2012: EX 728/EQ 667/TU 731 VANTAGE 731 CreditKarma 628 UTL >5% Wallet: CapOne $300 - First P $300 - Lowes $300 - Old Navy $400 - JCP $200 - Amazon $1,200 - Macy's $300 - NFCU cashRewards card $7k - PayPal MC $2k -Walmart $900 Successes:  EOS-CCA BBB Complaint - GONE Progressive Mgmt Sys DV, Dispute/Insurance Dispute - GONE IC Systems DV,Paid OC,GW - GONE Credit Protection Assoc - CA for BrightHouse - Never Had BH - BBB - GONE Battling: Verizon DV - none, BBB - in progress  CRA Dispute - in progress


 


.

Moderator Emeritus
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - December 2012


TNTransplant wrote:

Well, how fitting that I end the year in the garden – right where I started when I began this journey in January of this year.  I did leave several times during this year (mostly planned, but some impulsive apps in there, too), but I will hit 90 days app-free the middle of this month and will pick up my first silver spade to celebrate.:smileyhappy:

 

This has been a great year for me, and I’ve learned so much from this forum.  I started with every CC nearly maxed out and an overall utilization of around 70-75%.  After aggressively paying down revolving debt, getting SP CLIs, and obtaining several new higher limit cards, my overall utilization is less than 10% and my scores have improved to what is noted in my signature line.

 

The primary goal for this month is to not go crazy with Christmas spending and keep myself on track to continue paying down revolving debt.  No urges to app for anything at this point, and that’s a good thing. 


You've done a fantastic job and have every reason to be pleased with yourself! Congratulations to you! I understand the discipline and effort that it takes to pay off debt and bring util down to an ideal level. I'm so happy that you've been able to reach your goals this year -- this is truly something to celebrate! May the coming year bring you much success as you continue on your credit journey. :smileyhappy:

 


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

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