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Garden Club Meeting - January 2013

Established Contributor

Re: Garden Club Meeting - January 2013

Why does my seedling look so pathetic??? I copied and pasted the link from the first page.  Any ideas?


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Message 41 of 362
Valued Contributor

Re: Garden Club Meeting - January 2013

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"

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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Message 42 of 362
Moderator Emeritus

Re: Garden Club Meeting - January 2013

Guys I am back!!!  Happy new years to all!

 

 

Approved for PRG this morning Smiley Happy  The two inquiries dropped my FAKO score by 5 points on Credit Secure

 

Goal is to garden for 1 year and reduce installment debt Smiley Happy

 

 


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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Message 43 of 362
Contributor

Re: Garden Club Meeting - January 2013

HAPPY NEW YEAR'S EVERYONE!!!

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... Smiley Happy



Message 44 of 362
Contributor

Re: Garden Club Meeting - January 2013

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.



Cards: CitiForward for Students (2K, opened 8/2009), Discover it (2K, opened 7/2010), AMEX BCE (1k, opened 12/2010), Capital One Quicksilver (4.5k, opened 11/2011), Chase Freedom (1.5k, opened 8/2014)

AMEX Platinum (NPSL, AC arrangement, added 12/2011), Citi AAdvantage AMEX (9k, AU, backdated to 9/2008)

Scores: TU 667, EQ 651

In the Garden since 8/8.
Message 45 of 362
Moderator

Re: Garden Club Meeting - January 2013

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 Cat Tongue

 

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 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Message 46 of 362
Valued Contributor

Re: Garden Club Meeting - January 2013

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. 



Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 47 of 362
Moderator

Re: Garden Club Meeting - January 2013


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 Cat Tongue.

 

Also I think you mean "planted" or similar rather than "supplanted" Smiley Happy

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Message 48 of 362
Moderator

Re: Garden Club Meeting - January 2013


webhopper wrote:

Guys I am back!!!  Happy new years to all!

 

 

Approved for PRG this morning Smiley Happy  The two inquiries dropped my FAKO score by 5 points on Credit Secure

 

Goal is to garden for 1 year and reduce installment debt Smiley Happy

 

 


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 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Message 49 of 362
Frequent Contributor

Re: Garden Club Meeting - January 2013

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 Smiley Happy

 

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
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Message 50 of 362