Credit Cards Center Credit cards from our partners
Reply
Moderator Emeritus
Posts: 12,895
Registered: ‎12-30-2011
0

Re: Garden Club Meeting - February 2013


Shogun wrote:

Left the garden, applied and got the Discover IT, but on a positive note, I broke the $5k barrier!


Oi vey, a new wakizashi!  Grats dude!

 

Strongly considered applying for something for my restaurant spending after I got my Amex letter regarding my Zync's transitioning to something financially unappealing, then came to my senses fortunately.  Freedpm has restaurant categories starting April 1st for a few months, can salve my itch knowing that as time ticks closer to an IRS resolution and mortgage (somewhere, CA house prices, sigh) after that.

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)


Take the myFICO Fitness Challenge
Established Contributor
Posts: 803
Registered: ‎05-16-2012
0

Re: Garden Club Meeting - February 2013

Less than 2 weeks until my silver spade. This is hard ;(

 

I almost removed one of my freezes a couple of days ago  'just incase' until I found out it would cost me ten bucks to remove (I am thrifty..lol)

 

One day at a time

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Highlighted
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - February 2013


DaveSignal wrote:

Epcot wrote:
Congrats Shogun on the Discover IT approval and nice CL!

Quick question, I plan on PC my Citi AA Amex card to the Citi HHonors Reserve. Would this make me leave the garden? (No HP but a possible new account, since the card numbers have to be changed from Amex to Visa) Hope not!

A PC doesn't add a new account to your credit report.  It is the same history just changed over to a different reward structure.  Your gardening does not reset for that.


 

That's correct. Even if it shows up as an account with a different number, due to the change from Amex to Visa, it's still the same tradeline and it should carry over the history. I had this happen years ago when I reported a card missing; they issued a new card number and so the same TL appears on my report twice -- once with old number and once with the new number. Bottom line, this won't count against your gardening efforts, as you're simply cultivating an existing TL.


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
Posts: 1,074
Registered: ‎02-06-2013
0

Re: Garden Club Meeting - February 2013

[ Edited ]

    New to the forum. I got 2 credit cards to start my credit rebuilding journey. I tried for 3 was approved for 2. If I had read this forum a little more before applying I would never have applied for the one that I didn't get but that is ok.  I'm headed over to that garden now after 2 days. I'm  trying for 6 months in the garden here.... Thanks for the thread Tinuviel.  (Ap free since Feb 8,2013 Smiley Surprised)

300/21001100/13001500/25001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
Established Contributor
Posts: 772
Registered: ‎01-03-2012
0

Re: Garden Club Meeting - February 2013

Still here... Smiley Happy


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Frequent Contributor
Posts: 309
Registered: ‎04-04-2012
0

Re: Garden Club Meeting - February 2013

I think it's time for me to join the Garden Club!  Off to change my siggy!

Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Garden Club Meeting - February 2013


tinuviel wrote:

DaveSignal wrote:

Epcot wrote:
Congrats Shogun on the Discover IT approval and nice CL!

Quick question, I plan on PC my Citi AA Amex card to the Citi HHonors Reserve. Would this make me leave the garden? (No HP but a possible new account, since the card numbers have to be changed from Amex to Visa) Hope not!

A PC doesn't add a new account to your credit report.  It is the same history just changed over to a different reward structure.  Your gardening does not reset for that.


 

That's correct. Even if it shows up as an account with a different number, due to the change from Amex to Visa, it's still the same tradeline and it should carry over the history. I had this happen years ago when I reported a card missing; they issued a new card number and so the same TL appears on my report twice -- once with old number and once with the new number. Bottom line, this won't count against your gardening efforts, as you're simply cultivating an existing TL.



Thanks DaveSignal and tinuviel! That's a relief, I was just worried when they told me they had to create a new account number, making me wonder if I was getting a 'new' tradeline with no history. I will keep an eye on it. Two days until my next spade! Smiley Happy


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Contributor
Posts: 98
Registered: ‎12-20-2012
0

Re: Garden Club Meeting - February 2013

In the garden until August/September... I just have keep telling myself no unnecessary HPs or new TLs til we *hopefully* close on our first home. Its sooo hard though...
Valued Contributor
Posts: 2,066
Registered: ‎06-16-2012
0

Re: Garden Club Meeting - February 2013

Hello fellow fico friends!...just checking in. Still in the garden and had a little of an application itch this past month but didnt cave in!...Got some auto CLI recently from GE...Chevron/Texaco card up from 400 to 600 and a surprising Dillards CLI up from 300 to 900!...Hoping i get a Walmart CLI soon!

Cards: (Chase x8) (Citi x6) (Amex x6) (BofA x3) (US Bank x3) (Barclays x4) (WF x2) (Cap1 x4) (Synch x4) (Penfed x2) (Macys Amex, Discover, USAA, Fidelity, NASA x1), PLOC: Citi (18k) WF (10k), Personal Loan: USAA (25K), Auto Loans: Ally, Audi Financial.
Established Contributor
Posts: 619
Registered: ‎09-26-2011
0

Re: Garden Club Meeting - February 2013

Had a little unexpected growth today when I hit the luv button on my Woman Within CC...went from $600 to $1,000 CL on a soft pull.  Still no luv from WM Discover after the 3rd statement. Smiley Sad

 

My mortgage and my NAVChek are finally reporting, but my scores have not grown at all. Kinda sad about that, thought I'd see a small bump anyway.  At this point, I'm focusing on paying down the CCs (hard when I have medical/dental bills popping up, already used up the FSA for this year) and hope to app in the Fall for Subaru MC.

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

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.