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Registered: ‎10-16-2007
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Re: Garden Club Meeting - February 2013


Revelate wrote:

Went through the app spree in January.  Gardening while attempting to figure out how much weedkiller I'm going to need.  Have all the forseeable tradelines for a while at this point, including two $0 AF cards which are pure farming implements, so thankfully there's nothing else I really need at this point.  Especially hearing that USAA is going to start offering EMV Chip/Pin cards, that'd tickle me pink!

 

 


When did you hear that USAA was going to offer Chip/Pin ?

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

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Registered: ‎12-30-2011
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Re: Garden Club Meeting - February 2013


dodgeball wrote:

Revelate wrote:

Went through the app spree in January.  Gardening while attempting to figure out how much weedkiller I'm going to need.  Have all the forseeable tradelines for a while at this point, including two $0 AF cards which are pure farming implements, so thankfully there's nothing else I really need at this point.  Especially hearing that USAA is going to start offering EMV Chip/Pin cards, that'd tickle me pink!

 

 


When did you hear that USAA was going to offer Chip/Pin ?


Just here just now, on the same thread you replied on I think.  I guess I overstated it or didn't understand the thread, giddy in my silly excitement, oh well Smiley Happy.

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Posts: 199
Registered: ‎11-24-2012
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Re: Garden Club Meeting - February 2013

I'm definitely in the garden for the next year. I need to have that Discover in my life so I need those inquiries to fall off, my aaoa to go up, drop 2 baddies, and my uti is always in the 15% so I'm good in that area and I will CLI the hell out of my cards to scratch that itch and make my case stronger when I app next year!! So excited, feel so brand new and so fortunate! Good luck to all of you!

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

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Registered: ‎09-26-2011
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Re: Garden Club Meeting - February 2013

I'm adding some Florida orange juice to the mix for anyone who's not feeling so great...

 

I'm still in the garden.  Waiting for my Lowe's CLI and NFCU NavCheck to start reporting to see what kind of boost my scores will get with the extra $15K in CLs.  I've been working on paying some things down and shifting to maximize my 0% interest.  I'm sitting on a Cap1 that I may try to exec office, but I'm a bit chicken, so will wait until the dust settles in the next few weeks.

 

Other than that, firmly planted in the garden...I need a spade!!!

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

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Re: Garden Club Meeting - February 2013

Still in the garden.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Registered: ‎01-27-2013
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Re: Garden Club Meeting - February 2013

[ Edited ]

I'm a few days out from my first spade.  While reflecting in the garden this month I've decided the following -

 

-my Citi TY Amex will (hopefully) be replaced by a backdated Amex HHilton. I want only 1 revolver on the amex network. When I step out of the garden to app in the coming months I guess we'll see how that goes. I want to try for a CLI on it before I app for the Hilton.

-will keep my Amex Zync tucked away until Amex or I close it -whoever does it first. Its not getting any use at this point. Due for renewal in October. Have the PRG that was backdated and it will be the only annual fee card in my wallet - Point blank period. I want only 1 charge card on the Amex network and Zync<PRG.

-my BoA Visa will hopefully be trumped by a PenFed CC. I made the mistake of applying for the PenFed card earlier this month before my backdated PRG hit my reports. Worked out for the better cause my utilization is still on a diet/lifestyle change.

-my VS card hasn't been used in the year or so that I've had it. Will probably try for a CLI when my util on other cards goes down.

 

thats all for now, happy gardening to all.

Amex Delta Gold | Amex BCE | BofA Travel Visa Sig | Discover IT | Fidelity Visa | REI Visa Sig
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Posts: 1,232
Registered: ‎03-22-2012
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Re: Garden Club Meeting - February 2013

I'm back for another month in the garden. I'll pick up the Gold spade next month!

 

I have a really big baddie falling off my reports in the next 2 months. I don't know why, but the 3 CRAs have it scheduled to fall off in different months from January to March. It fell off Experian a few weeks ago and my EX FAKO went up 38 points to 758!



Starting Score: EQ 658 6/18/12
Current Score: EQ 705 6/21/15 - EX 783 6/21/15 - TU 707 6/21/15
Goal Score: EQ 720+
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Registered: ‎07-23-2012
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Re: Garden Club Meeting - February 2013

Well 45 minutes until 1/12th of the year is over. 

with this month my aaoa jumps too 10.4545 months, with 10 positive cc tl and a now 6 month auto loan( not sure since it was opened in august but didnt actually report until october but says opened since august) 

 

Aiming For March 5th with my silver Spade! ive done it before i can do it again!

 

Currently Gardening 

Amex Zync-6 Months

Chase Freedom-7 months

Citizen's Mastercard-3 Months

 

Rest Of My Cards are sockdrawered.

My plan by the end of this month is too get down too 3% util. 

with taxes and my luck at the lottery shouldnt be too hard

 

Good Luck Everyone!

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
Frequent Contributor
Posts: 351
Registered: ‎11-11-2012
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Re: Garden Club Meeting - February 2013

I'm all in  Smiley Happy Just waiting for this coming Sunday to get my bronze spade


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Frequent Contributor
Posts: 347
Registered: ‎01-16-2013
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Re: Garden Club Meeting - February 2013

Just checking in. Two weeks in the garden today for me.



Starting Scores: myFICO EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 777, myFICO TU: 789, myFICO EX: 787
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Gardening since 06/08/15
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