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FrugalRican
Posts: 2,876
Registered: ‎02-02-2012

Re: Garden Club Meeting - February 2013

I had to step out of the garden a month ago.

 

I was buying a new Honda Civic and they wouldn't take my check so they offered a 0.9% based on my credit (I knew mine would be good enough without previous auto loan history). I decided I'd rather have this one show up even if I paid it off after the first month for future purchases.

 

Anyway, still haven't done my taxes and I am happy to say that I am debt free. I've finally paid off all of my credit cards and it feels FANTASTIC.

I've had other situations going on and it feels nice to have something positive going forward. And yes, I already paid off the car's debt too.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Established Contributor
lithium78
Posts: 929
Registered: ‎07-30-2011

Re: Garden Club Meeting - February 2013

Well, I'm still in the garden, but I am really itching to get out now.  I've held off on any new cards or CLI requests, because I wanted to get a mortgage this year, but I had to go back to school for professional reasons, so it looks like the mortgage probably won't happen until next year now.  I am really annoyed by the low limits on my current credit cards right now.  My biggest limit is $4500 on my Walmart Discover and my limit on my BoA 123 Cash Rewards has been stuck at $2k for nearly two years.

 

Unfortunately, I have a 30 day late from March 2012 holding me back right now.  It's from an auto loan I foolishly co-signed for a friend that they were late on WITH THE VERY LAST PAYMENT.  (So nice of them to do that.)  I know it probably needs to be at least a year old before I apply for anything so I'm kind of stuck at the moment.  Hopefully, one of these card companies will just see how much money I am making for them and just increase my limit on their own.  Discover has done that a couple times so far, but my limit with them is still only $2700.  It's more than a little frustrating.


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

Take the FICO Fitness Challenge
Valued Contributor
RockinRay
Posts: 1,937
Registered: ‎08-13-2007

Re: Garden Club Meeting - February 2013


FrugalRican wrote:

I had to step out of the garden a month ago.

 

I was buying a new Honda Civic and they wouldn't take my check so they offered a 0.9% based on my credit (I knew mine would be good enough without previous auto loan history). I decided I'd rather have this one show up even if I paid it off after the first month for future purchases.

 

Anyway, still haven't done my taxes and I am happy to say that I am debt free. I've finally paid off all of my credit cards and it feels FANTASTIC.

I've had other situations going on and it feels nice to have something positive going forward. And yes, I already paid off the car's debt too.


OUTSTANDING! CONGRATS! :smileyhappy:

Ray

** Every Card has a Job, and Every Card does its Job **

Valued Contributor
RockinRay
Posts: 1,937
Registered: ‎08-13-2007

Re: Garden Club Meeting - February 2013

I joined DCU for the FICO score a week ago.

 

Decided I would take the "hit" for their Rewards Visa. Instant approval for a CL of $10,000.

 

This will be it for me now for quite a while. I am going to close down accounts that i really do not need. Or, just run the cards down the shreder and see what happens.

Ray

** Every Card has a Job, and Every Card does its Job **

Valued Member
natashahol
Posts: 41
Registered: ‎03-22-2012

Re: Garden Club Meeting - February 2013

I am hanging strong in the garden trying to see if my seedlings will grow. I am looking forward to getting my silver spade next month. February I am going to work on bring down my utility from Christmas spending.

 

Happy gardening everybody!



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
Contributor
SpeedingWheels
Posts: 253
Registered: ‎08-06-2012

Re: Garden Club Meeting - February 2013

Back to a seedling for me!  LOL

This time it was for an Amex though.. I think I'll be ok for a while now :smileywink:


Walmart Discover ($5000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($5000) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($1237?)
Valued Contributor
MsLadyRover
Posts: 2,727
Registered: ‎03-14-2012

Re: Garden Club Meeting - February 2013

Happy February Everyone!

Today makes 5 months, 1 week, and 2 days that I have been in the garden and I am looking forward to earning my gold spade in a few weeks.

Good luck to everyone this month as you continue your journey to financial freedom topped with high fico scores!



Starting Score: 639 (Walmart TU)
Current Score: TU 699 (myFICO) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010

Re: Garden Club Meeting - February 2013

Well I got a nice surprise this morning!

 

I pull my scores the beginning of every month; I got in the habit while I was rebuilding. Today my EQ score shot up from 723 to 766! Upon inspection, it looks like an old 90 late fell off. Also, my BoA has 6 full months of reporting, so I don't know if that's a factor, but it might. If so, then what can I say -- gardening works!!! My TU score also went up to 744; the old 90 late is still showing, so maybe that will update and I'll get a boost next month. The rest of the gain must be from account aging.

 

Whatever the reason, I'm over the moon happy! I was hoping to reach my FICO Fitness Goal sometime this year, but I didn't expect to do so this soon. Woo, hoo!!! :smileyvery-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
Frequent Contributor
NewbieReed
Posts: 416
Registered: ‎12-05-2012

Re: Garden Club Meeting - February 2013

Hi Everyone!!

 

I'm still here!!

 

I plan to refi my auto in a week or so,  So I wont be here for long, but as of today, I am 2 months & 4 days in the garden. Looking at my previous apping habits, t's been hard, but worth it!  :smileyhappy:

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 4/2013 TU FICO 697, 02/2013 EQ 698 FICO (lender) 04/2013 674 Credit Sesame
NEW GOAL SCORE FOR 2013Breaking into the 700 club
[OLD GOALS: For now- 680 on all 3 = GOAL REACHED IN 02/2013}
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App Free since 2.8.13
Valued Contributor
MsLadyRover
Posts: 2,727
Registered: ‎03-14-2012

Re: Garden Club Meeting - February 2013


tinuviel wrote:

Well I got a nice surprise this morning!

 

I pull my scores the beginning of every month; I got in the habit while I was rebuilding. Today my EQ score shot up from 723 to 766! Upon inspection, it looks like an old 90 late fell off. Also, my BoA has 6 full months of reporting, so I don't know if that's a factor, but it might. If so, then what can I say -- gardening works!!! My TU score also went up to 744; the old 90 late is still showing, so maybe that will update and I'll get a boost next month. The rest of the gain must be from account aging.

 

Whatever the reason, I'm over the moon happy! I was hoping to reach my FICO Fitness Goal sometime this year, but I didn't expect to do so this soon. Woo, hoo!!! :smileyvery-happy:


That's great tinuviel! Congratulations on your scores!

Before you know it, you will be crossing that 800 threshold!



Starting Score: 639 (Walmart TU)
Current Score: TU 699 (myFICO) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge

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