12-31-2012 08:37 PM
I've grown so much in knowledge from this great community & I will not seek any further credit lines, only nurture & care for what's already achieved. I've acquired new lines, improved old lines, & will seek new ventures late 2013 (Oct-Nov-Dec).
Happy New Year 2013 !
Need a new car but in the garden for at least the next few months, need to get my balances down so I can get a good rate on my car. Will shop for vehicle at my CU so only 1 inquiry when I do shop. I wish everyone a new year, I have a few baddies that will fall off this year, but will continue to have some for a few more years also, as someone said More than once it is a marathon, not a sprint. Best wishes everyone in getting your financial life on track.
12-31-2012 09:00 PM
HAPPY NEW YEAR!!!!!!
12-31-2012 09:10 PM
Starting off the new year in the garden - approaching 1 month.
Amex BCE - $2000 - looking forward to 3x in Feb.
Amex Green - NPSL
Chase Freedom - $1000
Capital One - $1000
Best Buy - $1500
Walmart - $2500
Starting: 563 | Current: 753 (Walmart TU 11/12) | Goal: 800 | Garden since: 01/15/2013
12-31-2012 10:28 PM
What about those who are planning to refinance a mortgage? Is that in or out of the garden?
if you take an inquiry to refinance your out but its a big reason to step out. and hopefully for the better.
ANY hard pull will result in this.
I am out then. Maybe in the spring.
12-31-2012 10:28 PM - edited 12-31-2012 10:30 PM
Hello All and Happy New Year!! I wish everyone the very best in 2013!
I've had a Great past 1.5 years rebuilding. I have many on here to thank! I'm in the garden till mid 2015 when I buy a new home and auto. My seedlings: NCFU CashRewards 25K/ NFCU Flagship 25K/ Amex BCP 18.3K/Amex BSP 10K/ Amex PRG/ Amex Zync/ Chase CSP 20.5K/ Chase Freedom11K/ Citi Diamond Pref 10.75K/ Barclays Apple 10K/ AACFCU Plat MC 10K/ AACFCU Loc 7.5K/ DCU VISA 5.4K / WalMart 9K/ RTG 8K/ Chevron 2.5K. All these were attained in the last 1.5 years by strategic apping and still retained a AAoA of over 7 years. It can be done.
Just closed CapOne- Merrick - . Closing Chevron, RTG 01/10/13. I'm set for life me thinks. Only Credit I'm seeking is the occasional SP CLI. Good luck to everyone here!
12-31-2012 11:38 PM
I am here, though I am itching to app for a Citi or something other than Chase...even though I so adore Chase. I feel like I need to be more diverse. I had a CO with AMEX years ago, so I don't even bother with them. I'd liek to add something, though, so maybe in 6 months or so.
However, the only CRA that is EVER pulled for me here in FL is EQ, and after just TWO inquiries (both Chase!) I saw a score drop of 9 points! I could sob!
So I am in the garden indefinitely. I was successful on all my recent apps and now have:
Chase Freedom: 7500
Chase Sapphire: 10000
Chase Ink: 10000
Target Red: 1500
Home Depot: 7500
Best Buy (store): 5600
I fired both Orchard/HSBC as they wouldn't raise my CLI EVER or drop the fees. The only two cards I did not try for CLI on were Target and Kohls, because I could find no supporting evidence that it was gonna happen anyway.
I have gardeing tools, all pink, and intend to stay at least 6 months. Thanks for the snacks!
01-01-2013 02:05 AM
Happy New Year!!!
Still sitting in the garden watching over my seedlings, but an auto refi is beckoning to me beyond the gate (NFCU $250 cash back offer). 2012 was VERY good to me credit-wise with the countless lessons learned from MyFICO smarties, lots of hard work on my part, and doses of pixie dust and prayers. I went from a credit score in the mid-500s in January to a peak score of 721 and:
Built a new home, closed: 10/25
Amazon Visa: $6,500
Cap 1: $750
Cap 1, Sparks: $750
Woman Within: $600
Target: (still at $200, 10 years later...)
My score has dropped with UTIL and I'm STILL waiting on that 0%BT from NFCU (from my keyboard to God's ears) to help out some with that. Also still waiting to see if I have to sue my former landlady to get my deposit back that needs to go toward a CC. Mortgage hasn't reported yet, so hoping for a boost with that one. Once my score climbs back a bit, I may answer the siren call of the auto refi. Until then, I will sit firmly planted in the garden, enjoying the view.
BTW, who knew rewards cards were SO AWESOME??? I had no idea what I was missing out on with sucky credit scores! I get money back for paying my bills, how sweet is that?
01-01-2013 07:49 AM
Happy New Year, health, wealth and good fortune to everyone @ the FICO forums.
It has been a two year credit recovery effort by me which started by getting my student loans out of default, paying off a few CA accounts, and getting a secured credit card with First Niagara for 500.00. The trip to the bottom is very quick, however the climb back to the top is slow and painstaking.
I thank everyone again who has posted,or answered my posts to help me regain my credit borrowing ability.
First Niagara (now unsecured) 2000
Discover Open Road 1200
Chase Freedom 5000
Walmart Discover 1800
Utilization is 3%
Im going to garden until @ least 6/2013,
On the wanted List:
Amex Green (hoping for backdating was an AU in 1987, still have Gold Card)
Penfed Signature Preferred