01-06-2013 02:34 PM - edited 01-06-2013 03:03 PM
All you have to do is go to the first page of this thread and copy the seedling code. By highlighting and the right clicking copy then go to my settings on the top left and under my signature right click and paste at the top of the box. Click save and your golden..
|Current: Discover Fico 682 1/15 Walmart Fico 684 1/15|
Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
|Amex Zync(Unicorn) |
Citi Diamond Preferred$6000
01-06-2013 03:27 PM
Happy Gardening everyone!
I plan to stay app free for quite some time.
My Amex was the last card i app for, so i want to garden, garden, garden! (at least towards the end of the year)
I have no need for new cards but I would like the CSP in the future.
01-06-2013 08:23 PM
Ayayaye, the itch is killing me! Just for curiosity I went and tried the "shopping cart trick" just to see if VS and Express would offer me a card as a test of my up and coming credit worthiness, lol. And both did! VS offered a 750 limit and *I WAS STRONG*. I didn't bite. Woo!
I am also getting Blue Sky preselects from AMEX like every day in the mail, and the Discover More offers. I'm psyched because I've never gotten these before.
I am gardening right now even though I have the goal of slowly ditching my subprime crappy low limit credit cards for prime "grown up" cards. Even though my credit is pretty good now my income sucks (I'm a graduate student) and I'm also scared to take hits on my average age of accounts. I'm not sure when/if it's a good idea to leave the garden, but for now I'm digging my toes in the dirt and trying to stay!
The shopping cart trick was verrrrryyyyy tempting for me as well. No offers, though, thank God. lol
I'm not sure I would've been as strong as you haha
01-06-2013 08:52 PM
01-07-2013 03:44 AM
I'm still in the midst of the NFCU BT section of my garden. The first 2 went through within just a few days, so that was exciting. I have one CC that I will pay off the very last bit this week and it should report Th-Fri, so I'm interested to see if I get score bumpage. I'd REALLY like to refi my car, so I'm holding off on updating to a spade in case I get a nice enough boost that I move ahead with that.
01-07-2013 05:13 AM
01-07-2013 07:20 AM - edited 01-07-2013 07:20 AM
I hope everyone enjoyed their New Years! I'm back in the garden after a quick CLI on my Freedom and will be here for quite some time until my inquiries fall off or at least are mostly 1 year or older. I believe this year I will worry mostly on increasing my current lines as I do like the cards I currently have. At some point... I may want to add a Lowes card. I will be calculating if the 0% financing promos and/or the daily 5% would be worth adding it. Eventually I would like to work on a home so it might be benefitial to start letting it grow and stuff. In any case, my current cards:
1) Discover More
2) Capital One Journey
3) Chase Freedom
4) Citi Forward
5) Citi Dividend
01-07-2013 09:39 AM - edited 01-07-2013 09:40 AM
Stepped out of the garden for the last time til 2014! I refinanced my Range Rover with PenFed at 1.49% today using the same HP from my application/cc/thrifty loc. Since I'm going out of town on Friday, they are overnighting the paperwork and the check to me today. I always thought they just paid off the current lender, but they said they are just sending me the check to pay them off.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.