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Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

Re: Garden Club Meeting - February 2013


tinuviel wrote:

webhopper wrote:

SnackTrader wrote:

The last dozen or so posts on this thread have been rather depressing with the exception of the new Condo for cschick (Congratulations!). 

 

C'mon people!  Just remember why you are doing this and how much of a success every day in the Garden is for you!!!! Every day you stay in the Garden is one less INQ, one less new account, and added history to your credit file!

 

No one said this would be easy, you just have to take it day by day. Set goals for yourself outside of this forum to occupy your time. I guarantee that if I wanted to get back to a sub 7:00 mile and that if I told myself I couldn't app until then I would get a gosh darn plutonium spade. We are all in this together because we know that patience leads to results! If anyone needs inspiration please look back on Tinuviel's posts from August:

 

http://ficoforums.myfico.com/t5/Credit-Cards/Garden-Club-Meeting-August-2012/m-p/1519026#M417432

 

http://ficoforums.myfico.com/t5/Credit-Cards/Garden-Club-Meeting-August-2012/m-p/1558404#M428521

 

Now if I can only find the approval thread she referenced...

 

Go forth and Garden!


Many of us are still hanging in there...  Sometimes its easy to look at gardening as mere drudgery... but I prefer to look at it as fun, because I've done all I can actively do to better my position, so now I just gotta work the strategy that made me get those apps and products to begin with...

 

all is well!   Folks who are gardening, dont lose hope... just go back and see how many inquiries you've allowed to age off during your gardening time... it doesn't last forever, and there is eventually a point where there are no more inquiries :smileyhappy:


 

I look at it as fun, too. I've been excited this week because my newest accounts are hitting the six month mark, and one of them -- Citi -- was eligible for a CLI. So was my JCP card, which is older, but still exciting to see it grow. I'm enjoying sitting back and watching as my accounts gain age and start to show signs of growing. What I like most about CLIs -- other than the pragmatic, helping with util part -- is that they show that a lender is happy with how I'm managing my accounts. After years of having had shaky credit, I find this very gratifying.

 

And a week from tomorrow I'll be getting my gold spade! So I've had a lot to feel upbeat about with regard to my gardening efforts. :smileyhappy:


so jealous!

congrats though!

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Garden Club Meeting - February 2013

Well I finally got my bronze spade back!! :smileyhappy:

Had a stretch of drapping / oh darn I shouldnt have apps the past 3 months.

2013 will be app free!!



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

Re: Garden Club Meeting - February 2013


LS2982 wrote:
Well I finally got my bronze spade back!! :smileyhappy:

Had a stretch of drapping / oh darn I shouldnt have apps the past 3 months.

2013 will be app free!!

Woo, hoo!!! 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
Senior Contributor
drkaje
Posts: 3,482
Registered: ‎07-25-2008

Re: Garden Club Meeting - February 2013

@ Snacks,

 

There's nothing good left out there for me. I haven't app'd since August when looking for a consolidation loan but I actually haven't applied for a credit card since Jan 27th. Two inquiries fall off in July but It's doubtful that will improve my Ex score too much.


Starting Score: 675
Current Score: EX ? FICO, EQ 708 FICO
Goal Score: 776 FICO


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Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

Re: Garden Club Meeting - February 2013


drkaje wrote:

@ Snacks,

 

There's nothing good left out there for me. I haven't app'd since August when looking for a consolidation loan but I actually haven't applied for a credit card since Jan 27th. Two inquiries fall off in July but It's doubtful that will improve my Ex score too much.


do you mean of 2012? 

and if they are falling off your reports completely then no there would be no effect to my knowledge

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Senior Contributor
drkaje
Posts: 3,482
Registered: ‎07-25-2008

Re: Garden Club Meeting - February 2013


creditnocash wrote:

drkaje wrote:

@ Snacks,

 

There's nothing good left out there for me. I haven't app'd since August when looking for a consolidation loan but I actually haven't applied for a credit card since Jan 27th. Two inquiries fall off in July but It's doubtful that will improve my Ex score too much.


do you mean of 2012? 

and if they are falling off your reports completely then no there would be no effect to my knowledge


They fall off July 2012.

 

One of last year's inquiries was from annoying a Sallie Mae rep, LOL! I complained to the ombudsman but they refused to admit the HP had any relationship to my conversation with the rep, despite happening on the same day.

 


Starting Score: 675
Current Score: EX ? FICO, EQ 708 FICO
Goal Score: 776 FICO


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Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012

Re: Garden Club Meeting - February 2013


drkaje wrote:

creditnocash wrote:

drkaje wrote:

@ Snacks,

 

There's nothing good left out there for me. I haven't app'd since August when looking for a consolidation loan but I actually haven't applied for a credit card since Jan 27th. Two inquiries fall off in July but It's doubtful that will improve my Ex score too much.


do you mean of 2012? 

and if they are falling off your reports completely then no there would be no effect to my knowledge


They fall off July 2012.

 

One of last year's inquiries was from annoying a Sallie Mae rep, LOL! I complained to the ombudsman but they refused to admit the HP had any relationship to my conversation with the rep, despite happening on the same day.

 


LOL i have one falling off in march from sallie mae. i did a online application at 2am before i even knew what credit was. LOL instant denied and they said i can re apply with a co applicant. 

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
SnackTrader
Posts: 1,563
Registered: ‎09-15-2012

Re: Garden Club Meeting - February 2013


drkaje wrote:

@ Snacks,

 

There's nothing good left out there for me. I haven't app'd since August when looking for a consolidation loan but I actually haven't applied for a credit card since Jan 27th. Two inquiries fall off in July but It's doubtful that will improve my Ex score too much.


I don't know how to read this... Is this positive as in you've achieved your goals, or negative as in there is nothing left to look forward to?

 

I hope I didnt offend anyone by commenting on the previous posts - my intention was to get everyone else as fired up as I was on this gorgeous Saturday morning. I woke up early, got my federal taxes done (refund of over $2,000!!), and just wanted to pass out some encouragement. 

 

Great job to all for the accomplishments that have been shared on this thread!


In My Wallet: Amex BCP (12/12) $22.200, Chase CSP (4/14) $12,000, Barclaycard Arrival (5/13) $10,500, Citi Forward (12/12) $9,600, Cap1 Cash Rewards (6/12) $9,000, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Senior Contributor
drkaje
Posts: 3,482
Registered: ‎07-25-2008

Re: Garden Club Meeting - February 2013


SnackTrader wrote:

drkaje wrote:

@ Snacks,

 

There's nothing good left out there for me. I haven't app'd since August when looking for a consolidation loan but I actually haven't applied for a credit card since Jan 27th. Two inquiries fall off in July but It's doubtful that will improve my Ex score too much.


I don't know how to read this... Is this positive as in you've achieved your goals, or negative as in there is nothing left to look forward to?

 

I hope I didnt offend anyone by commenting on the previous posts - my intention was to get everyone else as fired up as I was on this gorgeous Saturday morning. I woke up early, got my federal taxes done (refund of over $2,000!!), and just wanted to pass out some encouragement. 

 

Great job to all for the accomplishments that have been shared on this thread!


Both!! :smileyhappy:

 

I rebuilt over a long time and really educated myself about credit. Took a lot of help from here , and another site that shall remain nameless, LOL!

 

Had really tamed some of the debt but had a huge, huge educational expense and didn't have any choice but to dig deeper.

 

Credit cards? It's not that there aren't any cool cards left, just none that would add vale to my life right now. If my EQ score reaches 775, I'll qualify for the least crappy  interest rate on the only private student loan my school has available.

 

One of the upsides is through repair and time my credit is 100% clean. Once income catches up there won't be any worries about a mortgage or that nervous feeling just before pressing the "Submit" button. Those are definitely good things but I'm really over that giddy feeling that used to happen when new plastic hit the mailbox.

 


Starting Score: 675
Current Score: EX ? FICO, EQ 708 FICO
Goal Score: 776 FICO


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Frequent Contributor
fuzzybean
Posts: 302
Registered: ‎04-04-2012

Re: Garden Club Meeting - February 2013


tinuviel wrote:

fuzzybean wrote:

Ugh, I can't get my seedling to show completely! 


Do you have the code for the graphic positioned so that it's the first line in your siggy?


Thank you very much!  :smileyhappy:


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