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Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Garden Club Meeting - February 2013

I only count the ones that are under a year :smileyhappy:

Ive been in my new house a year now and all of the apps from my move in app spree are aged a year now... just have some inqs from refi of a rental property; new car; navcheck; and 2 new amexes.

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
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Garden Club Meeting - February 2013

Still here, 3 days before I can finally pick up my bronze spade.

 

:smileyhappy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - February 2013


webhopper wrote:
I only count the ones that are under a year :smileyhappy:

Ive been in my new house a year now and all of the apps from my move in app spree are aged a year now... just have some inqs from refi of a rental property; new car; navcheck; and 2 new amexes.

gotcha you! 

i have 12 inquries in one day across all three reports! (8/30)

car loan (double pulled all three) amex (triple pulled) od loc from bank(denied-trippled pulled) 

sept 1st will be a happy day for me. 

looking back at it though i didnt even need the od line and if i didnt do it probably could have gotten the npsl zync. =/ 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Garden Club Meeting - February 2013

In my experience the inquiries didn't hinder me from getting zync NPSL but chase double pulled me for amazon... and some cards that I applied for were denied; namely discover open roads and QT gas card. Looking back I'm glad because I don't need them now that I have PRG.

Also I had a gemb lowes that was closed by GE in 2009 with no notice until it was declined at register... getting the lowes business amex is total vindication for that embarrassing moment in time!

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
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - February 2013


webhopper wrote:
In my experience the inquiries didn't hinder me from getting zync NPSL but chase double pulled me for amazon... and some cards that I applied for were denied; namely discover open roads and QT gas card. Looking back I'm glad because I don't need them now that I have PRG.

Also I had a gemb lowes that was closed by GE in 2009 with no notice until it was declined at register... getting the lowes business amex is total vindication for that embarrassing moment in time!

its just a good thing that inqs only stay on your reports for 2 years and not 7(like baddies) or 10(like bk) 

just think thats more or less 10% of someones life. and less since most people dont get cards until they are 18.

i personally believe once my util is back down too 3/4% and all my inquries age and such my aaoa will be holding me back (at 1.5 years) and only the time i dont want too wait can help that.

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Member
brookele
Posts: 35
Registered: ‎01-28-2013
0

Re: Garden Club Meeting - February 2013

Hi all, I made it!

 

I started building credit about a year and a half ago, starting out with a CapOne secured card (I'm 22). I was sort of hanging around these forums at that point trying to learn the best way to get into the credit game as a young person. About a year after that, I got a secured credit builder loan through my local credit union, and then a few months after that, I was approved for a car loan and a credit card through the same credit union. After that, I got a couple store cards and an unsecured CapOne, and then was preapproved for a Discover More card back in September. Then a couple weeks ago, I decided to see if I could dip my toes into the prime game, and with a couple recons, got everything I wanted!

 

Now I have a fairly large number of inquiries, several new accounts, and a very low AAoA, but they're all going to fall off together, I'm very young, and I have a group of great cards that will grow with me. I feel like I've got a solid foundation here. I don't see myself needing or wanting anything else after this, so I intend to garden till everything falls off, at least. Here I am for the next couple of years! :smileyhappy:

American Express Blue Cash Everyday | American Express Green | Bank AmeriCard Travel Rewards | Barclaycard Ring | Capital One Rewards | Chase Amazon | Chase Freedom | Citi Simplicity | Discover IT | Fidelity Investment Rewards AmEx | Freedom First CU Visa | Hudson Valley FCU Visa | Paypal Extras MC | + several store cards

09/05/13

Frequent Contributor
sassymomof2
Posts: 280
Registered: ‎04-16-2011
0

Re: Garden Club Meeting - February 2013

In the garden.

 

I'm waiting for some inquiries to fall off and my credit lines to grow.  I hope to stay put until April.  I would like to get the BCP.

 

Current cards: Orchard Bank $300 Discover $1000 Barclays $1000 Lowes $3000 RTG $3000 AMEX PRG NPSL


Starting Fico Feb 2011 EQ 570 TU 580 EX ?
May 2014 EQ 709 EX 684 TU discover 665

Closed on first home April 26, 2012!
Last app August 2, 2014. Gardening indefinitely!!!
Regular Contributor
mmmlive1999
Posts: 147
Registered: ‎12-18-2012
0

Re: Garden Club Meeting - February 2013

Gave up my diamond spade today. I wanted to hold out on apps until June, but after hearing so may people with my scores getting the Walmart card I had to pull the trigger, and GOT IT!!!! So back to the seedling for now but I am glad I got a card that can grow into a Discover someday :smileyvery-happy:

Starting Score: 06/06/2012:FAKO TU 585/EQ 472/ EX 561
Current Score: TU08 696, EQ5.0 679/ EX08 660
Goal Score: 700 by 12/2014

Cap1 Venture-$3800, Quicksilver-$1750,Chase Freedom-$2200, Discover IT - $1400
Store Cards: Vic.Sec -$850, Walmart-$650 ,Gap $1000( updated 11/22/2014)
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - February 2013

had myself thinking for a moment i had a silver spade but turns out i cant do math this early in the morning. 

2/3rds of the way there though! 

 

tax check please hurry up so i can drop my util to 1% and see my scores shoot up and the pre approvals for the things i wont app for come in!

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
Gunnar419
Posts: 1,183
Registered: ‎01-23-2013
0

Re: Garden Club Meeting - February 2013

Newbie entering the garden for the first time. Planning (although you know what they say about the "best laid plans") to stay in until August, when I hope to apply for an Amex (probably one of the blues; not sure).

 

For many years, gardening wasn't an issue. I had just one good old CL, and later two. Never had any credit problems or any desire for app sprees. In fact, I had no idea that such a thing as an app spree existed! But now that I'm monitoring credit and reading the MyFico forums ... well, darn, you people are constantly dangling temptation in front of me.

 

Three apps and three approvals in the last three months. That's that. One was a biggie. The other two much smaller. But the smaller two are GE, which is so generous with auto-CLIs. So I get to watch them grow as I sit back in my lawn chair and sip a Mai Tai.

 

Now, if I could only figure out how to get an auto CLI from Chase, the only cc that never, ever gives anything without an HP!

 

Thanks for having me in the "club."


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