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Garden Club Meeting - July 2012

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webhopper
Moderator Emeritus

Re: Garden Club Meeting - July 2012

The problem is that tcofade didn't call and ask for a CLI, they called him trying to solicit a car loan!    

 

I'm patiently waiting, as before...   Good news is that Discover updated, and now shows a 0 balance!  No more maxed out Discover on my CR and my scores are back where they were in May (Amex CreditSecure Scores)!

 

I'm waiting for chase and NFCU to update, as well as Amex.

 

Hoping to gain some valuable points by having less than 10% utilization and more accounts with zero balance 

 

 

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 321 of 450
tcbofade
Super Contributor

Re: Garden Club Meeting - July 2012

To be honest, I'm waiting to see if they raise my CL or approve the larger signature loan...

 

If I get denied, THEN I'll gripe.  Smiley Tongue

 

04/01/24 Fico 8: EX 763, EQ 799, TU 783.
Fico 9: EX 756 03/13/24, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 322 of 450

Re: Garden Club Meeting - July 2012

Hi everyone, new here to the garden Smiley Happy had a spree this month citi thank $9000 discover more $8000 and Boa $5000 now going to garden until Jan 2013 maybe longer.
7/2012 Current scores FIco TU 726/ FIco EQ 722

Goal 750 and up
Wallet citi thank you $9000/ Discover More $8000/ BOA Cash rewards $5000 SD Cap1 $500
garden Mode for at least 6months Jan 2013
Message 323 of 450
RockinRay
Valued Contributor

Re: Garden Club Meeting - July 2012


@Wantagoodscore wrote:
Hi everyone, new here to the garden Smiley Happy had a spree this month citi thank $9000 discover more $8000 and Boa $5000 now going to garden until Jan 2013 maybe longer.

Welcome! Glad to have you here. You have some great cards with nice CL's.

Ray

** Every Card has a Job, and Every Card does its Job **
Message 324 of 450
FrugalRican
Blogger

Re: Garden Club Meeting - July 2012

A few more days until I find out whether Chase is going to auto-CLI me or not (I DOUBT IT).

If not, I'll reach out to Executive Chase Lady Type Person and see if I can SP for one. They will probably laugh and point at me while making Chewbacca noises, but who cares... it's worth a try. Might even be worth a HP if it means getting rid of the eyesore within my sig (sad excuse for a CL at this point).

 

Apartment hunting will be another pull. I MIGHT try to convince the fine people at the complex to let them use something I printed out before hand, but I doubt it.

 

Jedi mind tricks, I shall try. Hmmmm.

 

Otherwise, still in the garden, rollin' in my 5.0 trying to get LS from not apping anymore. I can't believe 4 months went by before he finally apped. Where does the time fly?

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 325 of 450
emptypockets
Valued Contributor

Re: Garden Club Meeting - July 2012

Whew, made it 1 month with no apps!


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 786; TU MyFico: 799; EX (My Fico): 797
Message 326 of 450
bbrannan
Regular Contributor

Re: Garden Club Meeting - July 2012

Congrats! This is my second attempt at gardening and I am trying really hard not to app for anything. I am wanting to get a mortgage in May 13! Can someone point me in the direction of the storage shed? I am going to need to exchange this shovel for a bronze one in a couple of weeks!

Cards: AMEX Zync NPSL, AMEX BCE, NFCU LOC $15K, NFCU Visa Signature cashRewards $14K, NFCU Flagship Visa Signature $14K, USAA Platinum M/C $3.5K, USAA AMEX $2K, Capital One Cash Rewards $3.5K, WalMart $10K, Lowes $10K, Home Depot $8250, Amazon $4K, Discover IT $1K

Starting Score: EX: 570 EQ: 520 TU 602
Current Score: AMEX EX:717 MyFico EQ 688 Walmart TU 749 MyFico TU 740
Goal Score: 750+ across the board


Take the FICO Fitness Challenge
Message 327 of 450
Repo-ed
Senior Contributor

Re: Garden Club Meeting - July 2012

Coming up on 2 months soon.

 

It's tough...

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 328 of 450
BrokaToe
Established Contributor

Re: Garden Club Meeting - July 2012

Day 73 for me in the garden.  Comin up on that Silver Spade pretty quick Smiley Happy


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Message 329 of 450
webhopper
Moderator Emeritus

Re: Garden Club Meeting - July 2012

I am getting close to gold but I will app before then!
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 330 of 450
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