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Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Garden Club Meeting - January 2013


sccredit wrote:

2012 was a very good year credit wise.  Bought a beautiful home in SOuthern California, went from $4,400 in credit lines to almost $85,000.  This year the I'll need to buy a new car but that is the only new credit planned for the year...ok, ok, maybe a couple new cards :-)

 

No apps since September, looking forward to hitting 6 months with no apps for any reason!


Congrats on 2012 being a fruitful year!

 

I like your shiney silver, but gold will be even better!

Best of luck on your gardening goals.!


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!



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Valued Contributor
creditnocash
Posts: 2,222
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - January 2013

3 days until my bronze spade. 

ive been put in my place by amex. 

apped bce and denied 

ex score given is 721. 

 

off to the garden until at least september when all my inq are over a year. 

Current: Discover Fico 689 8/14 Walmart Fico 697 8/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Frequent Contributor
newportguy
Posts: 351
Registered: ‎11-11-2012
0

Re: Garden Club Meeting - January 2013

Just stepped out , To get  my new Amex Gold Delta SkyMiles Card  .........  I am back in the garden now :smileyhappy: 


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Frequent Contributor
digitaldiva
Posts: 439
Registered: ‎03-09-2011
0

Re: Garden Club Meeting - January 2013

I'm still here hanging on in the New Year; still app free for over a year! 

Enjoying your freedom? Thank a servicemember and their family!!!
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Garden Club Meeting - January 2013


digitaldiva wrote:

I'm still here hanging on in the New Year; still app free for over a year! 


digitaldiva is a PRO gardener :smileyhappy:

 

Grats on the hard work!


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
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - January 2013


webhopper wrote:

digitaldiva wrote:

I'm still here hanging on in the New Year; still app free for over a year! 


digitaldiva is a PRO gardener :smileyhappy:

 

Grats on the hard work!


+1 :smileyvery-happy:


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
Established Member
Blazesian
Posts: 30
Registered: ‎05-09-2012
0

Re: Garden Club Meeting - January 2013

Hello!

 


I will be gardening for a minimum of four months. That is until May 2, 2013, a couple of weeks before my little sister's graduation.

During this time I will attempt to bring my utilization rate down from 76% to 50% minimum. I will also attempt to pay my Discover

and Capital one CCs down to at least 50% and leave it that way.I'm aiming to get back into the 700 club, ASAP. I fell into a ditch,
endulged in the less-than circumstances and "opportunities" for more credit, and it's time for it to be over.

 

 

Wish me luck! <3

- Nia




12-26-2013 TU [628] EQ [604] EX [650]

Goal: 700 Club by 8/1/2014 w/ all CC paid and CLI on all CC over 1yr

Garden Club for all of 2014
Moderator
Revelate
Posts: 8,894
Registered: ‎12-30-2011
0

Re: Garden Club Meeting - January 2013

[ Edited ]

Blazesian wrote:

Hello!

 


I will be gardening for a minimum of four months. That is until May 2, 2013, a couple of weeks before my little sister's graduation.

During this time I will attempt to bring my utilization rate down from 76% to 50% minimum. I will also attempt to pay my Discover

and Capital one CCs down to at least 50% and leave it that way.I'm aiming to get back into the 700 club, ASAP. I fell into a ditch,
endulged in the less-than circumstances and "opportunities" for more credit, and it's time for it to be over.

 

 

Wish me luck! <3

- Nia


Hey Blaze,

 

I sorta remember your circumstances from back in either May or June, what other cards besides the Discover and CC were you approved for?  Personally I think you're doing great, being unemployed is absolutely a reasonable circumstance for running up one's credit cards, and the resultant score drop does not last forever.   I think you'll be fine but good luck anyway :smileyhappy:.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Garden Club Meeting - January 2013

Good luck with your gardening goal Blazesian! May 2013 bring you much success!

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
Frequent Contributor
NICKI183
Posts: 339
Registered: ‎02-29-2008
0

Re: Garden Club Meeting - January 2013

Well, 2012 was a truly challenging year.  I originally joined this site, as stated in previous post, in 2008 attempting to correct credit issues.  I hit the credit app bug quick and eventually found myself in the same predicament years later.  Last year, I had an epiphany to truly "get it together".  I have reviewed various post that state that you can do this on your own; however, I found great difficulty in doing so.  Therefore, in the last quarter of 2012 I acquired a credit repair service to assist.  Since that time they have been able to remove (7) Equifax, (0) Experian, and (11) Transition.  I decided that I need to also do my part and assist, so I logged back onto the myFICO to also aide in my credit advocacy.  It is important that if I work in tangent with the credit repair company I will begin to see swifter results.

In also reviewing my credit I have to now settle the debts for the "charge-offs".  I know that my days of burying are over and I have to face the music.  My UTI is extremely high (almost 85%) and I must tackle that immediately.   I first would like to obtain a secured USAA Amex for $1k.   Once I get this card I will only use that and put away the (4) cards I still have as active.

 

I started this race four years ago and did not finish; however, I am going to finish this time.  Once I get the USAA card I am staying in the garden until December 2013. I will see where I am and if I succeeded in decreasing my UTI to 0% and removing most of the baddies I will apply for 1 card as my Christmas present.

 

I am so ready to be able to answer my phone on a regular basis.   

 
(UPDATE)I have re-evaluated my post from 1/2/12 and made the decision to stay in the garden.  I have a lot of work ahead of my and I believe that the money I would put for a secured USAA card would assist my charge-off/collections if I paid them off or settle.  I think the excitement of seeing all these success stories has me at sorts. I know that this task is not easy and I must decrease my UTI and also reduce the baddies in order prime creditors to take me seriously.  
I know that by September 2013 there will be a change for me to apply for a REAL credit card and see seedlings sprout.   Until then I will continue to read on!!
Current FICO scores: Mid 500's (5/27/14)
Cap One: QuickSilver, Journey, Platinum
Store: Mandee(auth user), L&T (auth user)m Target
Subprime: First Premier x2, Emblem Bank, Merrick Bank

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