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Valued Contributor
FocusedAndDetermined
Posts: 6,246
Registered: ‎01-05-2013

Re: Garden Club Meeting - February 2014


notfancy wrote:

tinuviel wrote:

msf12555 wrote:

newmomnewme wrote:

FocusedAndDetermined wrote:

BootStraps wrote:

FocusedAndDetermined wrote:

Wow, on the phone with collections while in labor -  I can't even imagine.  You should feel proud that you have come so far, and it's good to know that you are now in a supportive relationship.

 

This forum has helped many, myself included.  The strides that I have made in a little over a year I never thought possible before joining here.  I am forever grateful for the knowledge (and good laughs) gained here.  I stay to learn more, but also to pay-it-forward. 


I entirely agree with you. It's a beautiful experience to be able to share information that one has benefitted from. The best thing that anyone can hope for is to infect another person with hope and light. :smileyhappy:

 

Waxing a bit sentimental today... don't mind me.

 

And I also agree about the laughs. This group had me in stiches the whole of last month. (Still not sure if Cold ever got to put on his sweater.)


Nothing wrong with being a little sentimental from time-to-time.:smileyhappy:

 

Not sure what happened last month, but the group was in an exceptionally mischievous mood.:smileywink:  We'll have to ask about the sweater.

 


Ok...now I am going to get a tissue....whenever members PM to thank me for whatever, they ask what they can do...I ALWAYS say, just pay it forward. I am experiencing benefits of rebuiliding credit RIGHT now; opportunities that were not available 4 months ago are happening (pre-approval for mortgage, 20k CL, sign up bonuses, etc) I really owe it all to this group. I heard another member say they stumbled upon myFico via Google....SO did I. I am SO happy I did! 

 


Me too. When I started in the forums in December, I had 10 collections on EX. 10!! By Monday morning of next week, I will have ZERO! From 10-0 in less than two months. When I got from 10 to 8, I checked my EX FICO and it was 598 (so probably a few points lower when I had 10). Come Monday I am hoping to be over 700. In two months. People here are awesome, and have opened doors and save money like nobody's business. Love it!


I love to hear success stories like these. When I first came on these forums, my credit was a mess. I learned so much from other posters and was able to use that information to get myself on track. I also believe in paying it forward, and try to do so in my own small way. This is a wonderful community and I'm so glad that I found it. You folks are the best!


Very heart warming day here in the GC! I agree whole heartedly with all of this!

 

Also- I see someone mentioned Mischief, so naturally, here I am!


I was hoping you would connect with that reference.:smileywink::smileyvery-happy:

Valued Contributor
FocusedAndDetermined
Posts: 6,246
Registered: ‎01-05-2013

Re: Garden Club Meeting - February 2014


tinuviel wrote:

FocusedAndDetermined wrote:

tinuviel wrote:

msf12555 wrote:

newmomnewme wrote:

FocusedAndDetermined wrote:

BootStraps wrote:

FocusedAndDetermined wrote:

Wow, on the phone with collections while in labor -  I can't even imagine.  You should feel proud that you have come so far, and it's good to know that you are now in a supportive relationship.

 

This forum has helped many, myself included.  The strides that I have made in a little over a year I never thought possible before joining here.  I am forever grateful for the knowledge (and good laughs) gained here.  I stay to learn more, but also to pay-it-forward. 


I entirely agree with you. It's a beautiful experience to be able to share information that one has benefitted from. The best thing that anyone can hope for is to infect another person with hope and light. :smileyhappy:

 

Waxing a bit sentimental today... don't mind me.

 

And I also agree about the laughs. This group had me in stiches the whole of last month. (Still not sure if Cold ever got to put on his sweater.)


Nothing wrong with being a little sentimental from time-to-time.:smileyhappy:

 

Not sure what happened last month, but the group was in an exceptionally mischievous mood.:smileywink:  We'll have to ask about the sweater.

 


Ok...now I am going to get a tissue....whenever members PM to thank me for whatever, they ask what they can do...I ALWAYS say, just pay it forward. I am experiencing benefits of rebuiliding credit RIGHT now; opportunities that were not available 4 months ago are happening (pre-approval for mortgage, 20k CL, sign up bonuses, etc) I really owe it all to this group. I heard another member say they stumbled upon myFico via Google....SO did I. I am SO happy I did! 

 


Me too. When I started in the forums in December, I had 10 collections on EX. 10!! By Monday morning of next week, I will have ZERO! From 10-0 in less than two months. When I got from 10 to 8, I checked my EX FICO and it was 598 (so probably a few points lower when I had 10). Come Monday I am hoping to be over 700. In two months. People here are awesome, and have opened doors and save money like nobody's business. Love it!


I love to hear success stories like these. When I first came on these forums, my credit was a mess. I learned so much from other posters and was able to use that information to get myself on track. I also believe in paying it forward, and try to do so in my own small way. This is a wonderful community and I'm so glad that I found it. You folks are the best!


And so are you!:smileyvery-happy:


That's so sweet of you... thanks. Group hug!!! :smileyhappy:


Valued Contributor
notfancy
Posts: 3,568
Registered: ‎11-23-2013

Re: Garden Club Meeting - February 2014

@ Focused: Lol I felt that for some reason you might have had me in mind as one of the mischief makers for some reason. Though I'm not sure why.... Me ~~~> :angel8:

Starting Score: 625 EQ FICO Current Score: 683 DCU EQ FICO/ 648 Scorewatch EQ FICO , EX FICO 659, TU FICO 670/674 Walmart (07/14/2014)
Goal Score: 700   Seedling again as of 06/08/14- Gardening hopefully til 11/20/14
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010

Re: Garden Club Meeting - February 2014


FocusedAndDetermined wrote:

tinuviel wrote:

FocusedAndDetermined wrote:

tinuviel wrote:

msf12555 wrote:

newmomnewme wrote:

FocusedAndDetermined wrote:

BootStraps wrote:

FocusedAndDetermined wrote:

Wow, on the phone with collections while in labor -  I can't even imagine.  You should feel proud that you have come so far, and it's good to know that you are now in a supportive relationship.

 

This forum has helped many, myself included.  The strides that I have made in a little over a year I never thought possible before joining here.  I am forever grateful for the knowledge (and good laughs) gained here.  I stay to learn more, but also to pay-it-forward. 


I entirely agree with you. It's a beautiful experience to be able to share information that one has benefitted from. The best thing that anyone can hope for is to infect another person with hope and light. :smileyhappy:

 

Waxing a bit sentimental today... don't mind me.

 

And I also agree about the laughs. This group had me in stiches the whole of last month. (Still not sure if Cold ever got to put on his sweater.)


Nothing wrong with being a little sentimental from time-to-time.:smileyhappy:

 

Not sure what happened last month, but the group was in an exceptionally mischievous mood.:smileywink:  We'll have to ask about the sweater.

 


Ok...now I am going to get a tissue....whenever members PM to thank me for whatever, they ask what they can do...I ALWAYS say, just pay it forward. I am experiencing benefits of rebuiliding credit RIGHT now; opportunities that were not available 4 months ago are happening (pre-approval for mortgage, 20k CL, sign up bonuses, etc) I really owe it all to this group. I heard another member say they stumbled upon myFico via Google....SO did I. I am SO happy I did! 

 


Me too. When I started in the forums in December, I had 10 collections on EX. 10!! By Monday morning of next week, I will have ZERO! From 10-0 in less than two months. When I got from 10 to 8, I checked my EX FICO and it was 598 (so probably a few points lower when I had 10). Come Monday I am hoping to be over 700. In two months. People here are awesome, and have opened doors and save money like nobody's business. Love it!


I love to hear success stories like these. When I first came on these forums, my credit was a mess. I learned so much from other posters and was able to use that information to get myself on track. I also believe in paying it forward, and try to do so in my own small way. This is a wonderful community and I'm so glad that I found it. You folks are the best!


And so are you!:smileyvery-happy:


That's so sweet of you... thanks. Group hug!!! :smileyhappy:



 

Love it!!!

 

I have to head out, but that really made my day. See everyone again tomorrow, stay safe, and happy gardening. :smileyhappy:


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
Valued Contributor
MsLadyRover
Posts: 2,727
Registered: ‎03-14-2012

Re: Garden Club Meeting - February 2014


msf12555 wrote:

Sorry, but I have to toot my own horn for a minute. My FICO score at the beginning of Jan was in the high five hundreds. Found out EX processed my last PFD today, and so I pulled my score... 729!! AAAAHHHH!!!!! In just about a month I went up over 140 points! All because of you guys! I can't thank you all enough! The New Guy is SO happy!!! AHHHH!!!!


That is AWESOME! Congratulations!



Starting Score: 639 (Walmart TU)
Current Score: TU 699 (myFICO) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Valued Contributor
FocusedAndDetermined
Posts: 6,246
Registered: ‎01-05-2013

Re: Garden Club Meeting - February 2014


notfancy wrote:

@ Focused: Lol I felt that for some reason you might have had me in mind as one of the mischief makers for some reason. Though I'm not sure why.... Me ~~~> :angel8:


LOL!  I'm sure you can figure it out.

Valued Contributor
FocusedAndDetermined
Posts: 6,246
Registered: ‎01-05-2013

Re: Garden Club Meeting - February 2014


tinuviel wrote:

FocusedAndDetermined wrote:

tinuviel wrote:

FocusedAndDetermined wrote:

tinuviel wrote:

msf12555 wrote:

newmomnewme wrote:

FocusedAndDetermined wrote:

BootStraps wrote:

FocusedAndDetermined wrote:

Wow, on the phone with collections while in labor -  I can't even imagine.  You should feel proud that you have come so far, and it's good to know that you are now in a supportive relationship.

 

This forum has helped many, myself included.  The strides that I have made in a little over a year I never thought possible before joining here.  I am forever grateful for the knowledge (and good laughs) gained here.  I stay to learn more, but also to pay-it-forward. 


I entirely agree with you. It's a beautiful experience to be able to share information that one has benefitted from. The best thing that anyone can hope for is to infect another person with hope and light. :smileyhappy:

 

Waxing a bit sentimental today... don't mind me.

 

And I also agree about the laughs. This group had me in stiches the whole of last month. (Still not sure if Cold ever got to put on his sweater.)


Nothing wrong with being a little sentimental from time-to-time.:smileyhappy:

 

Not sure what happened last month, but the group was in an exceptionally mischievous mood.:smileywink:  We'll have to ask about the sweater.

 


Ok...now I am going to get a tissue....whenever members PM to thank me for whatever, they ask what they can do...I ALWAYS say, just pay it forward. I am experiencing benefits of rebuiliding credit RIGHT now; opportunities that were not available 4 months ago are happening (pre-approval for mortgage, 20k CL, sign up bonuses, etc) I really owe it all to this group. I heard another member say they stumbled upon myFico via Google....SO did I. I am SO happy I did! 

 


Me too. When I started in the forums in December, I had 10 collections on EX. 10!! By Monday morning of next week, I will have ZERO! From 10-0 in less than two months. When I got from 10 to 8, I checked my EX FICO and it was 598 (so probably a few points lower when I had 10). Come Monday I am hoping to be over 700. In two months. People here are awesome, and have opened doors and save money like nobody's business. Love it!


I love to hear success stories like these. When I first came on these forums, my credit was a mess. I learned so much from other posters and was able to use that information to get myself on track. I also believe in paying it forward, and try to do so in my own small way. This is a wonderful community and I'm so glad that I found it. You folks are the best!


And so are you!:smileyvery-happy:


That's so sweet of you... thanks. Group hug!!! :smileyhappy:



 

Love it!!!

 

I have to head out, but that really made my day. See everyone again tomorrow, stay safe, and happy gardening. :smileyhappy:


Glad I could brighten your day.  See you tomorrow.

Established Contributor
-NewGuy-
Posts: 2,381
Registered: ‎12-18-2013

Re: Garden Club Meeting - February 2014

[ Edited ]

Well, I took my new score out and got exactly what I had been going for this whole time I was rebuilding... an AMEX Hilton HHonors Surpass card. I am so happy right now. I have wanted this card for so long, and knowing that I had no chance of getting it is what started my rebuilding efforts. You guys are all awesome, I can't thank you enough. So even though I ditch my spade for a seedling (which will grow), I do so because I apped responsibly when I knew I could get what I wanted. Which is what I think gardening is all about. So grow, seedling grow. And thanks to all of you for all your support and guidance. You all rock.

Valued Contributor
notfancy
Posts: 3,568
Registered: ‎11-23-2013

Re: Garden Club Meeting - February 2014


msf12555 wrote:

Well, I took my new score out and got exactly what I had been going for this whole time I was rebuilding... an AMEX Hilton HHonors Surpass card. I am so happy right now. I have wanted this card for so long, and knowing that I had no chance of getting it is what started my rebuilding efforts. You guys are all awesome, I can't thank you enough. So even though I ditch my spade for a seedling (which will grow), I do so because I apped responsibly when I knew I could get what I wanted. Which is what I think gardening is all about. So grow, seedling grow. And thanks to all of you for all your support and guidance. You all rock.


You're absolutely right and I couldn't be happier for you! Congratulations!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Starting Score: 625 EQ FICO Current Score: 683 DCU EQ FICO/ 648 Scorewatch EQ FICO , EX FICO 659, TU FICO 670/674 Walmart (07/14/2014)
Goal Score: 700   Seedling again as of 06/08/14- Gardening hopefully til 11/20/14
Senior Contributor
yudeology101
Posts: 4,584
Registered: ‎06-21-2012

Re: Garden Club Meeting - February 2014


MsLadyRover wrote:

msf12555 wrote:

Sorry, but I have to toot my own horn for a minute. My FICO score at the beginning of Jan was in the high five hundreds. Found out EX processed my last PFD today, and so I pulled my score... 729!! AAAAHHHH!!!!! In just about a month I went up over 140 points! All because of you guys! I can't thank you all enough! The New Guy is SO happy!!! AHHHH!!!!


That is AWESOME! Congratulations!


Congrats New Guy!!

JPM Ritz Carlton $8k I UMP Club $8k I CSP $5k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $3.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | TJX $1.55k | +6more
Scores: EQ:660 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *6-20-14*
Overall UTIL: 14% *Gardening Since: 5/10/14*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 as of 12-12-13)

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