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Valued Contributor
dodgerslv
Posts: 1,693
Registered: ‎06-16-2012

Re: Garden Club Meeting - January 2013

Hello to all my fellow fico forum posters! hope everyone had a great new year! just checking in...10 more days and i earn my silver spade (3 months application free!)



biggest limits: BofA Privilege (33K)/ BofA Cash Rewards (27k)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Established Member
Radio_Radiation
Posts: 54
Registered: ‎07-10-2012

Re: Garden Club Meeting - January 2013

I'm left the garden today and app'ed for 5 cards:

 

wal-mart 1800

macy's 500

lowe's 2000

target 500

sear's 2000

 

took all of 30 minutes...

 

I'm back in the garden and my aim is a year. could be more since the only card i want now is a citi bank.



Fako Ex: 743, Fako Eq: 734 Fako TU: 748
I'm BACK in the Garden (App free since 01/02/2013)

Valued Contributor
maiden_girl
Posts: 2,005
Registered: ‎12-29-2011

Re: Garden Club Meeting - January 2013

My last app was for an auto loan. It proved successful so no more apps for me this year. My goal is to garden my cards and grow the CLs with soft pulls. Last app was 12/17/12.

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Valued Contributor
dodgerslv
Posts: 1,693
Registered: ‎06-16-2012

Re: Garden Club Meeting - January 2013


Radio_Radiation wrote:

I'm left the garden today and app'ed for 5 cards:

 

wal-mart 1800

macy's 500

lowe's 2000

target 500

sear's 2000

 

took all of 30 minutes...

 

I'm back in the garden and my aim is a year. could be more since the only card i want now is a citi bank.


congrats on the approvals! we all know GE cards are generous with CLI. I love my Macys card...it can grow with you (especially if you like to shop there which i do). In one year went from 300 limit to 2500!



biggest limits: BofA Privilege (33K)/ BofA Cash Rewards (27k)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Valued Contributor
dodgerslv
Posts: 1,693
Registered: ‎06-16-2012

Re: Garden Club Meeting - January 2013


maiden_girl wrote:

My last app was for an auto loan. It proved successful so no more apps for me this year. My goal is to garden my cards and grow the CLs with soft pulls. Last app was 12/17/12.


congrats on the auto loan and very nice APR!



biggest limits: BofA Privilege (33K)/ BofA Cash Rewards (27k)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Established Member
Radio_Radiation
Posts: 54
Registered: ‎07-10-2012

Re: Garden Club Meeting - January 2013

Thanks!! 

and I love Macy's!! The card will get much use


dodgerslv wrote:

Radio_Radiation wrote:

I'm left the garden today and app'ed for 5 cards:

 

wal-mart 1800

macy's 500

lowe's 2000

target 500

sear's 2000

 

took all of 30 minutes...

 

I'm back in the garden and my aim is a year. could be more since the only card i want now is a citi bank.


congrats on the approvals! we all know GE cards are generous with CLI. I love my Macys card...it can grow with you (especially if you like to shop there which i do). In one year went from 300 limit to 2500!


 



Fako Ex: 743, Fako Eq: 734 Fako TU: 748
I'm BACK in the Garden (App free since 01/02/2013)

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Garden Club Meeting - January 2013

[ Edited ]

I feel pretty good with what I have:

 

AMEX Zync - NPSL

PSECU Visa - 12,000 CL

Barclays Rewards MC - $7,200 CL

Amazon - $4,000 CL

JCPenney - $4,000 CL

Best Buy - $4,000 CL

Lowes - $3,500 CL

Kay Jewelers - $2,700 CL

Sams Club Discover - $2,500 CL

Chase Freedom - $2,300 CL

Walmart - $2,300 CL

Firestone - $2200 CL

CareCredit - $2,100 CL

Cap1 NHC - $2,000 CL

Chevron/Texaco Visa - $1,500 CL

Old Navy - $1,500 CL

Discover IT - $1,000 CL

 

Definitely in Garden mode for at least 2013. :smileyhappy:

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Member
mtrea001
Posts: 7
Registered: ‎12-03-2012

Re: Garden Club Meeting - January 2013

[ Edited ]
<img src="http://ficoforums.myfico.com/t5/image/serverpage/image-id/2760iB9166C1A493A3CBC/" border="0" width="75"  height="100" align="right">

 

New to the garden, hey all! No apps till 2014 or later!

 

Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Garden Club Meeting - January 2013

Hi there mtrea001!
Welcome to the garden club!

Seems like you are having trouble with your message signature. To add a signature; go to settings which is at the top of the forum box right next to your username and the link to sign out... from there you can copy and paste the html image code into the portion that says signature....

Feel free to post here or send me a private message if you are in need of more assistance!

Again welcome to myfico forums and welcome to the garden club!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012

Re: Garden Club Meeting - January 2013

[ Edited ]

Goals for the new year are to continue the progress I’ve made in 2012: pay off remaining revolving debt, asking for SP CLI when appropriate, cull the herd by closing several CCs, let inquiries/new accounts age, and no apps for anything except a possible mortgage late this year.

 


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14


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