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Garden Club Meeting - February 2014

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-Wade-
Valued Contributor

Re: Garden Club Meeting - February 2014


@newmomnewme wrote:

@Wade64 wrote:

Hello GC !!! Checking in, Hipe everyone is having a good day.


Hi Wade!!!! Just the guy I needed to see. Please tell me that I don't need an amazon visa...saving $30 is just not worth it right??? LOL


Noooooo you do not need it!! Just think about the score drop it will cost you

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 1691 of 6,721
-Wade-
Valued Contributor

Re: Garden Club Meeting - February 2014


@Wade64 wrote:

@newmomnewme wrote:

@Wade64 wrote:

Hello GC !!! Checking in, Hipe everyone is having a good day.


Hi Wade!!!! Just the guy I needed to see. Please tell me that I don't need an amazon visa...saving $30 is just not worth it right??? LOL


Noooooo you do not need it!! Just think about the score drop it will cost you


Remember your in the garden and we don't app to save only 30dollars

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 1692 of 6,721
diebadcredit6504
Regular Contributor

Re: Garden Club Meeting - February 2014

Well  guys I paid off my last CHARGE OFF item  in Jan and I just updated my FAKO score with Exp Plus and it went up to 655. WOW!! I never had a credit score that high. I can only image how hight my score acutally is with FICO... I'm so excited. Finally some good news but still gardening until June 2014

EX - 522 (Oct 2013) 695 (May 2014)

TU FICO - 580 (Oct 2013) 680 (May 2014)

EQ - 509 - (Oct 2013) 672 (May 2014)
Message 1693 of 6,721
newmomnewme
Valued Contributor

Re: Garden Club Meeting - February 2014


@Wade64 wrote:

@Wade64 wrote:

@newmomnewme wrote:

@Wade64 wrote:

Hello GC !!! Checking in, Hipe everyone is having a good day.


Hi Wade!!!! Just the guy I needed to see. Please tell me that I don't need an amazon visa...saving $30 is just not worth it right??? LOL


Noooooo you do not need it!! Just think about the score drop it will cost you


Remember your in the garden and we don't app to save only 30dollars


See, I was just checking...I do NOT need another Visa...and I def don't need the INQ that goes with it.....on my way to a bronze spade in no time (just 27 days away...UGH)

012019 Fico8/Mortgage Score:
Current Fico9/Fico8/Mortgage Score:
MyGoal Fico8/Mortgage Score:
Take the myFICO Fitness Challenge


Message 1694 of 6,721
-Wade-
Valued Contributor

Re: Garden Club Meeting - February 2014


@diebadcredit6504 wrote:

Well  guys I paid off my last CHARGE OFF item  in Jan and I just updated my FAKO score with Exp Plus and it went up to 655. WOW!! I never had a credit score that high. I can only image how hight my score acutally is with FICO... I'm so excited. Finally some good news but still gardening until June 2014


CongratsSmiley Happy very nice score bump

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 1695 of 6,721
-Wade-
Valued Contributor

Re: Garden Club Meeting - February 2014


@newmomnewme wrote:

@Wade64 wrote:

@Wade64 wrote:

@newmomnewme wrote:

@Wade64 wrote:

Hello GC !!! Checking in, Hipe everyone is having a good day.


Hi Wade!!!! Just the guy I needed to see. Please tell me that I don't need an amazon visa...saving $30 is just not worth it right??? LOL


Noooooo you do not need it!! Just think about the score drop it will cost you


Remember your in the garden and we don't app to save only 30dollars


See, I was just checking...I do NOT need another Visa...and I def don't need the INQ that goes with it.....on my way to a bronze spade in no time (just 27 days away...UGH)


That's what I'm talking about Smiley Happy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 1696 of 6,721
diebadcredit6504
Regular Contributor

Re: Garden Club Meeting - February 2014

Thank You!


@Wade64 wrote:

@diebadcredit6504 wrote:

Well  guys I paid off my last CHARGE OFF item  in Jan and I just updated my FAKO score with Exp Plus and it went up to 655. WOW!! I never had a credit score that high. I can only image how hight my score acutally is with FICO... I'm so excited. Finally some good news but still gardening until June 2014


CongratsSmiley Happy very nice score bump


Thank You! Still a long way to go... I think I can get approve for a new house but in no hurry. I rather wait and hope to have a better ints rate with more options when the times comes.

EX - 522 (Oct 2013) 695 (May 2014)

TU FICO - 580 (Oct 2013) 680 (May 2014)

EQ - 509 - (Oct 2013) 672 (May 2014)
Message 1697 of 6,721
sarkell
Frequent Contributor

Re: Garden Club Meeting - February 2014

So been gardening almost a year now.... Now I just need to get utilization down once I do requesting cli on chase & discover....
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


Take the myFICO Fitness Challenge
Message 1698 of 6,721
afinch1992
Regular Contributor

Re: Garden Club Meeting - February 2014

Happy Monday GC! checking in and glad to say my last AMEX app has satisfied my needs. Have a good week everyone!

AMEX BCE 18000CL, Citi DC 15000CL, AMEX EDP 15000CL, CSP 5000CL, Fidelity AMEX 5000CL, Sallie Mae MC 7400CL, US Bank Cash+ 5000CL, Chase Freedom 4000CL, Capital One QS 6000CL, BoA Better Balance 2500CL, Discover It 2000CL, BoA Better Cash Rewards 500CL, Chase Amazon CC 700CL

TU: 756 EX: 755 EQ: 753
Message 1699 of 6,721
sailor_mercury
Valued Contributor

Re: Garden Club Meeting - February 2014

Hello GC.  Checking in. Smiley Happy

 

Nothing much to report..  I'm all to egar for next month's bonus at work so I can pay down the UTIL and get my score back to 700+.  Trying to reach 720 by the time the Mortgage App rolls around this year.

NFCU nCashRewards VISA - $20,000 | NFCU nRewards $10,000
AMEX Costco TrueEarnings $5,000 | AMEX Delta Gold $1,500
Chase SWA VISA $5,000 | Chase Slate $3,500 | Chase Amazon Rewards VISA $3,000
HSN Mastecard $3,500
Message 1700 of 6,721
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