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Garden Club Meeting - December 2012

Moderator Emeritus

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
Message 61 of 297
Valued Contributor

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. Smiley Sad 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$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 62 of 297
Valued Contributor

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
Message 63 of 297
Established Member

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


Message 64 of 297
Valued Contributor

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$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 65 of 297
Senior Contributor

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.  Smiley Tongue


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 66 of 297
Established Contributor

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
Message 67 of 297
Frequent Contributor

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 Smiley Happy Will stay in garden until June 2013. I am loving this 6 month gardening. 



MCU $1000 (open 5/2015) I Capital One $3750 (open 4/2012) I Discover IT $2000 (open May 2017)
Starting Score 07/2016: TU 619 I EX 631 I EQ 592 I
Current Score 05/2017: TU 658 I EX 666 I EQ 666 I
Goal Score: All scores between 670-700 by July 2017
Message 68 of 297
Frequent Contributor

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
Message 69 of 297
Established Contributor

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)

Message 70 of 297