02-21-2013 09:00 AM
5 mos app free for me. I finally closed my AMEX PRG after much deliberation, decided I was not making enough use of it to justify $175 AF. No apps in the forseeable future, and will make my 6 mos app free at minimum before any new apps. Happy gardening everyone!
02-21-2013 12:57 PM
Hanging head in shame...have to drop back to seedling level. Don't know why I did it, exactly, but I decided on a whim to app for the Slate for the 0%BT. I have some $$$ still tied up in my last rental house before I became a homeowner (it's involving legal proceedings now), so I have a bit left on my Amazon card I wanted to BT. Denied. I called to recon and was told they could change my Amazon Chase to the Slate, but I said no thank you as I really like the rewards structure (we shop on Amazon a LOT). The reason was DTI. Weird thing, though, she said they pulled EQ for the first one, but it was not a complete report, only had 22 months of credit showing, so asked my permission to pull a different CRA. I said yes, and she said she pulled EX that time, but...USAA shows EX was pulled both times and nothing on EQ? Weird. Whatev, it's a no-go for me.
I did contact the Cap 1 EO and spoke with them today. They are sending my file onto an UW to see what they can do for me, if anything. Seriously, this is IT for me until I get the 0% CCs paid waaaayyyyy down. Lessons learned the hard way.
02-21-2013 05:07 PM
Well everyone, I cut my goal short for leaving the garden by 3 months. I have started another thread to talk about my credit success that I had this evening. I don't want to bring that up in the garden, but anyway, I traded in my gold spade for a seedling.
I'm bringing jalapeno poppers and some texas sweet tea to the party, back to the garden I go!
02-21-2013 07:03 PM
Been gardening for 3 months and still going :]
Still deciding what to apply for when I do. Thinking PenFed for the 5% gas. Still plenty of time to decide! Trying to go at least 6 months, we'll see how that goes
02-21-2013 07:16 PM
Been in the garden two months, coming up on three soon. Small $200 auto CLI from Walmart, asked Discover for CLI with a SP, no go. USAA has a pre-approval for their AMEX...not biting. In the garden at least until my mortgage refi in in a few months.
02-21-2013 08:43 PM
15 months in app detox.
30.10.2011 - 21.02.2013
Great job!! I know it was tough. Im about 8 months on my end.
02-22-2013 04:27 AM
15 months in app detox.
30.10.2011 - 21.02.2013
Holy mackeral! Congratulations!
Side note...checked Cap1 today and CL went from $750 to $3K on a soft, plus there was a $19 credit (I guess for last year's AF?) Woot!
02-22-2013 07:12 AM
Joining the garden club!
App'd this month for:
Lowes (denied even after recon)
Discover IT -- approved $4,000
CU Visa - approved $500
JC Penny - approved $500
These are my only cards and I'm good for awhile so I thought I'd come look at all the pretty flowers in the garden, sit back and enjoy a cold one!
02-22-2013 07:48 AM
well i didnt app for anything but i pulled my reports early!
boy am i glad i did!.
final tally tu=692 eq=682 no apps since 8/30 no new accounts since 12/5/12
both reports exactly the same except inq!. 13% util reported on 5 accounts (3 credit 1 charge and 1 installment)
cant wait till the rest of my inquries age starting in june. i think ill easily be able to hit 700's especially me hitting a year aaoa in march/april
gardening does pay off!
just confused since score watch had me at 655. hmmm (got an email yesterday saying there was no changes, usually means today but i couldnt wait after i saw the 692 lol) and i only had to pay 28 dollars for both reports
|Current: Discover Fico 709 3/15 Walmart Fico 743 4/15|
Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
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|Amex Zync(Unicorn) |
Citi DC $10,000
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