Reply
Regular Contributor
Unique620
Posts: 233
Registered: ‎10-03-2009
0

Re: Garden Club Meeting - February 2013

I'm still here!

 

 

65 days in garden! 

Filed BK 04/2011|BK Discharged 08/2011|Hard Pull I 12/05/2012 |


Starting Score: EQ 523 03/2012
Current Score: EQ 649 I TU 655 (02/2013) EX 672(01/2013)
Goal Score: 700 on all CR's 04/2013
Regular Contributor
SFernandez13461
Posts: 232
Registered: ‎02-24-2011
0

Re: Garden Club Meeting - February 2013

Checking in with my head hanging in shame (and a few shopping bags in my closet). I'm back to seedling. But there are no more cards I'm interested in that I think I have a shot at, so I think it's safe to say I'll be gardening for quite a while.


Starting Scores: 10/9/10 EQ 632
Current Scores: (9/5/12) EX 761 EQ 657 TU 780
Derogs Removed: LVNV, Union Bank, EOS-CCA, Zenith Acquisitions, Marigold Financial, Credit Collection Services, California Business Bureau
Working On: Portfolio Recovery Associates, Midland Credit Management, Credit One
Moderator Emeritus
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - February 2013


jsucool76 wrote:
6 whole months..... And still itching for a new card. Thank you all for helping to support me while i put my addiction on hold. I hope to stay here for another 6 months.

CONGRATS!!!!! :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
Regular Contributor
Johnny_Favorite
Posts: 266
Registered: ‎09-05-2012
0

Re: Garden Club Meeting - February 2013

Checking to see if my SEEDLING works !!!

 

 




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

Re: Garden Club Meeting - February 2013


Johnny_Favorite wrote:

Checking to see if my SEEDLING works !!!

 

 


Move the line of code for the seedling to the very top of the code for your siggy.


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
Valued Contributor
tcbofade
Posts: 2,533
Registered: ‎09-26-2011
0

Re: Garden Club Meeting - February 2013

This is me, adding my gold spade a few hours early!  :smileyhappy:


Current Scores: EX 694 (FCR) TU08: 650 Wally. 12/10/14
Last app 05/29/2014.
Being held hostage in the garden until 06 January 2015!
Zero percent financing is where the devil lives...
Valued Contributor
tcbofade
Posts: 2,533
Registered: ‎09-26-2011
0

Re: Garden Club Meeting - February 2013

Which, of course, brings up the question about score...

 

My last app, and therefore, my last new account will be six months old tomorrow.

 

I'm hoping for a score bump.

 

Do I have to wait for the first of the month, or will it even happen?


Current Scores: EX 694 (FCR) TU08: 650 Wally. 12/10/14
Last app 05/29/2014.
Being held hostage in the garden until 06 January 2015!
Zero percent financing is where the devil lives...
New Contributor
Lzzybeth
Posts: 50
Registered: ‎03-13-2008
0

Re: Garden Club Meeting - February 2013

Bad News - I lost my silver spade after I left the garden at the end of December...

I chose to lease a new 2013 Mazda3 versus sinking even more money into my poor 1991 Ford Probe with nearly 200,000 miles.

Good News - My credit score they pulled was 705!! I also got the EXACT terms I wanted, both in the money required and the vehicle options. :smileyvery-happy:

Now I'm back in the garden and very glad to know that I'm getting to better ground with lenders (Chase Auto Finance holds the lease). I know I wouldn't have gotten here if I hadn't been incredibly strategic in my credit rebuild over the last year! Every day, I'm happy to have found this forum and the wealth of knowledgeable shared here.

 

Thank you!


Starting Score: Jan 2012: EQ - 624
Current Score:Dec 2014: EQ - 740
Goal Score: Across the Board: 720
Take the FICO Fitness Challenge
GC Challenge: App Free Since 12/28/2012 and No Apps Until ...
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - February 2013

[ Edited ]

jsucool76 wrote:
6 whole months..... And still itching for a new card. Thank you all for helping to support me while i put my addiction on hold. I hope to stay here for another 6 months.


congrats man! im right here with you 

 


 

Unique620 wrote:

I'm still here!

 

65 days in garden! 


 

 

same day as me. march 5th is just around the corner. 

i was in costco today and there was an amex booth. i was tempted but i knew it was a no go, even though the girl wasnt half bad looking i ran the other way. 

the thought of its not you its me comes to mind. 

 

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
visorboy1974
Posts: 1,132
Registered: ‎05-17-2010
0

Re: Garden Club Meeting - February 2013

2nd month in the garden...


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}