Left the garden, applied and got the Discover IT, but on a positive note, I broke the $5k barrier!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@Shogun wrote:Left the garden, applied and got the Discover IT, but on a positive note, I broke the $5k barrier!
Reset my clock today as well on the Discover It. So happy I did. Trying to decide now if I should just go for the last 2 cards that I want (AmEx BCE and CSP), or plant myself right here until summer when I should be a sure thing for both... is it worth it to take the hits now and get in six months earlier with the two? I can't decide.
I have a nice new, pretty, shiny bronze dress on today!!! 
One month and counting!!!
@tcbofade wrote: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?
You might have to wait until the account hit 6 months of reporting. When your statement cuts, you may see a score bump. I'm not sure how much impact the inquiry aging will have.
@Shogun wrote:Left the garden, applied and got the Discover IT, but on a positive note, I broke the $5k barrier!
Congrats! What a nice little seedling to plant! 
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
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!
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!
Starting Score: EQ 717 EX 724 TU 736
@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.
Day three in the Garden, sweating and not feeling good app withdraw
NFCU FAN CLUB FAN#1
@dodgeball wrote:Day three in the Garden, sweating and not feeling good app withdraw
You can do it, but I feel with you. Day 15 here ...
@shakalaka wrote:
@dodgeball wrote:Day three in the Garden, sweating and not feeling good app withdraw
You can do it, but I feel with you. Day 15 here ...
What part of Germany you from, I live in Stuttgart