Five more days to my silver spade!
My scores are down a little from their peak because of seasonal utilization, but my TU score stayed above 700 on the same reporting except only three inquiries. Two of those will fall off by next month! So by working on utilization and gardening the inqs off my EQ I expect to hit the "700 Club" before I leave the "Gardening Club"
Guys I am back!!! Happy new years to all!
Approved for PRG this morning 
The two inquiries dropped my FAKO score by 5 points on Credit Secure
Goal is to garden for 1 year and reduce installment debt
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
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With that said this year should be an Awesome year for me "Credit" wise. I've been in the Garden since March of last year and Growing the seeds I do have and watching my score Soar to near 700s across the board! Come May I'll be dumbing a few sub prime credit cards and app for some good prime cards. Happy Seeding everyone...
Hey all,
My Chase Freedom app got denied. Not a happy camper about it, but the reasons they provided left a recon unlikely to happen anyway. Still waiting on my Cap1 Cash Rewards app to come to a resolution. I did a PC from the Discover More Student to the it, and since its not a Student card, hopefully there will be better opportunities for CLI's and APR reductions.
Citi Forward for Students: $1000
Discover More Student (becomes "it" effective 1/13): $1000
AMEX Blue: $2000 -> $1000 (Overspent early in the year and took far too long to pay off other cards, so my score suffered and AMEX decided to reduce their risk.)
Cap1 Journey Rewards: $500 -> $750 (Credit Steps CLI in May)
Util: 17%
Gardening until: September at the earliest; probably will be apping for a car loan around then. Otherwise, not until I can graduate and earn an actual income.
Heh, rang in the New Year with a whimper, but still enjoying the mini-quiches to soak up the residual alcohol from earlier in that day 
Did my annual score pull, cracked 650 on both EQ and TU which was a pleasant surprise but score is probably flatlined for a while. In happier news dropped down to 1 inquiry on TU though neither EX nor EQ will look anywhere close to that pretty on that count. 9/18/12 was last application inquiry date for the Zync.
Current tradelines:
BOFA: 10/11 $2500
Cap One: 12/11 $400 (nee Orchard)
DCU (sec): 1/12 $2000
Amex Zync: 9/12 NPSL
For completeness
USAA sec loan: 1/12
DCU auto loan: 8/12
Goals for 2013:
Pulling the continent-sized weed out of my garden (Fed tax lien)
Obtain a mortgage
Everything else is so superfluous they're irrelevant, any other plans are on hold until I either become a homeowner or give up on that.
Happy New Year everyone, and good luck with your plans as well!
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
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well guys a bunch of my cards hit 5 months today which apperantly made ck higher my score by 12 points.
oh and an OLD (more then 2 years) fell off so theres that as well.
Amex Credit Secure Gave me a 718 across all reports even with my higher util which is weird.
trying to laugh app a bce. but its not going well.
LesWH wrote:Why does my seedling look so pathetic??? I copied and pasted the link from the first page. Any ideas?
Les, I'm not an expert but I think you may have run out of signature room. Perhaps try an align=right instead of left? Might give the seedling more room to grow .
Also I think you mean "planted" or similar rather than "supplanted"
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
Take the FICO Fitness Challenge
webhopper wrote:Guys I am back!!! Happy new years to all!
Approved for PRG this morning
Goal is to garden for 1 year and reduce installment debt
Hah, speaking of FAKO's a slew of inquiries dropped off my TU report (well aged beyond a year at least) and my CK jumped by 24 points to by far it's highest ever.
Grats on the PRG, nice card for you; are you keeping the Zync as a reward accelerator as well?
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
Take the FICO Fitness Challenge
I'll take some baked brie and sparkling grape juice, thank you!!
I'm just a seedling now -- no HP for a month. But I am hoping to reach gold spade status and then re-evaltuate my presence in the garden. I just had 9 baddied removed and I'm waiting on another 2 to remove as well. Then I am trying to get the last three to GW away.
I have an NFCU nRewards $6K (12/2011 opened), WFNNB/Ny&Co Store card $800 (5/2012 opened), Victoria Secret $500 (12/2012 opened via SP).
I think the only thing that will save me and ensure that I remain in the garden is that I'm app'ing on behalf of DH -- goin on an app spree for him in May
I app'ed for a car refi thru a local CU and was denied in November with a 608 EXP score- but I'm paying 19%!! So hopefully with an improved score and a cleaned report, I might be able to app at NFCU for a car re-fi in the summer, we'll see. But until then, I'll happily be gardening away !
Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012 
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