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Garden Club Meeting - February 2013

Valued Contributor

Re: Garden Club Meeting - February 2013

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!


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, UMB Visa, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (4), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 801; TU MyFico: 799; EX (My Fico): 797
Message 201 of 345
Established Contributor

Re: Garden Club Meeting - February 2013

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.

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

Message 202 of 345
Established Contributor

Re: Garden Club Meeting - February 2013

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! Smiley Very Happy


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Message 203 of 345
Established Member

Re: Garden Club Meeting - February 2013

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 Smiley Happy

Capital One Platinum $750 (3/11) | Macy's $2K (1/12)
Chase Freedom $4.5K (8/12) | Chase Sapphire Preferred $5K (11/12) | Amex BCE $12K (10/12)

TU: 751 (10/1/12 - Amex), 747 (5/23/12 - Transunion.com) | EQ: 718 (10/1/12 - myFICO)
Gardening since: 11/12/12

Message 204 of 345
New Contributor

Re: Garden Club Meeting - February 2013

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.

AMEX BCE $15,500 Citi Double Cash $8,700 USAA $6,000
Chase Freedom $2,500 Discover It $10,600
M & T Visa $2,500 CU Visa $10,000, BOAmericard $7,500
Message 205 of 345
Frequent Contributor

Re: Garden Club Meeting - February 2013

15 months in app detox.

 

30.10.2011 - 21.02.2013

 

 


No apps/new accts since 2011

***FICO EXPERIAN 830***
***FICO EQUIFAX 828***
***FICO TRANSUNION 822***




Message 206 of 345
Regular Contributor

Re: Garden Club Meeting - February 2013


pazuzu wrote:

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.


G
Starting Score: 5/2012 TU 595, EQ 565, EX fako 547
Current Score:as of 9/2012, TU 626,Walmart 612, EQ 600, EX fako 623
Goal Score: 640 by dec 2013
BofA Au 13000, Amazon 600, Capt1 300, Walmart 150
When all else fails pay it!


Message 207 of 345
Established Contributor

Re: Garden Club Meeting - February 2013


pazuzu wrote:

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!

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

Message 208 of 345
Established Contributor

Re: Garden Club Meeting - February 2013

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! 

Fico: 701 (5/22/14) 682 (5/9/2014)
Discover IT $5,200 / CU Visa $1,000 / JC Penny$3,000
App Free since 2/2013
Message 209 of 345
Highlighted
Valued Contributor

I Gave IN!!!

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
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 210 of 345