Reply
Moderator
09Lexie
Posts: 26,630
Registered: ‎09-13-2012
0

Re: Garden Club Meeting - July 2013

@newportguy

Congrats on going Gold!

@enharu

You'll be fine!
Moderator Emeritus
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - July 2013


newportguy wrote:

Just checking in.............Got my Gold Spade last week :smileyhappy:  HAPPY HAPPY


How wonderful!!! Looks great -- congrats, and keep up the good work! :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
Frequent Contributor
newportguy
Posts: 351
Registered: ‎11-11-2012
0

Re: Garden Club Meeting - July 2013


tinuviel wrote:

newportguy wrote:

Just checking in.............Got my Gold Spade last week :smileyhappy:  HAPPY HAPPY


How wonderful!!! Looks great -- congrats, and keep up the good work! :smileyvery-happy:


I am  in for the long haul !!!  Got my eye on that diamond :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 *****
Established Contributor
hot4u
Posts: 789
Registered: ‎04-21-2013
0

Re: Garden Club Meeting - July 2013

Congrats... :smileyhappy:


(Chase)- Freedom, CSP®, United MileagePlus® Explorer, Marriott Rewards® Premier, Penfed cash+ rewards/Promise.
Amex’s- BCE, Hilton and SPG®, NFCU Cash Rewards, FHB Destinations World Elite.
(Citi)- Dividends Platinum Select, Executive/Platinum® Advantage,Hawaiian Airlines World Elite


Frequent Contributor
pt310
Posts: 380
Registered: ‎05-03-2013
0

Re: Garden Club Meeting - July 2013


essexjet wrote:

Made it to bronze :smileyhappy:

 

That was a tough month.


Congrats!

 

I'm on my fourth try and still haven't gotten it yet....:smileyembarrassed:



In the Garden since 7/3/13
Latest Scores: 749 EQ MyFico 8/5/13 | 766 TU Wally Aug '13 | 732 CK Fako 8/7/13 | 776 CS Fako 8/6/13
Goal: 780+ and my own house by next summer!
New Contributor
Capya
Posts: 69
Registered: ‎12-14-2012
0

Re: Garden Club Meeting - July 2013

Oh my goodness,  I really need to garden!

 

I started trying to fix my credit last October,  got my student loans into rehab, and successfully sent validation letters to the bureaus on a couple of old baddies that were lingering.   I got a Capital One secured card to begin my path to creditworthiness.

 

10 months later, my student loans finished rehab and all the negative TL's were deleted.  TU even accidentally deleted the one baddie that I have left on my CR's :smileyhappy:

 

With those deletions (the new tradelines still aren't reporting) my Exp went from 573 to 767!!!  Wow. 

 

Naturally, I got excited, and went on a little Ap spree...  AmEx Blue Cash Everyday - $12,500!   ok, that blew my mind!!!

with that under my belt, I went for a Chase Freedom - $1000   :/   disappointing, but apparently my EQ is still down at 668 because it doesn't show that I've been an AU on a Chase card for 15 years.

 

Just for giggles I did the shopping cart trick with JCrew, and got a quick $1000 limit.

 

Then, wonder of wonders, I learned about AmEx backdating from the wise people of MyFico :smileyhappy:  My BCE now shows member since '95 thanks to a cc i got in college, just cause I wanted the free t-shirt they were handing out...

 

Excited once more, I apped for an AmEx Blue Sky - just to game my AAoA a little bit, and voila! instant approval Blue Sky - $15,000 !!  (really amex? even more that the first?  OK, thanks!)

 

So, in the last month I've added Target ($200, lol),  2 Amex's, Chase Freedom, and JCrew.  I killed the CapitalOne Secured, as they wouldn't ever graduate it.

 

Now I've got 7 Inq's on TU & EX, and 4 on EQ

 

My goal all along has been to improve my credit and get a house, so I really need to reign myself in and go inquiry-free for at least 6 months... but it's hard, oh so dang hard!   The SouthWest airlines cards are screaming my name!  I must be strong.

 

 

 

Goal:  6 months in the garden, and a mortgage.  

 

 

 

 

 

 

 



Starting Score: 573 (Exp 10/12)
Current Score: 767 (Exp 6/13)
Goal Score: 700+ I Crushed it!!!


Take the myFICO Fitness Challenge
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Garden Club Meeting - July 2013

Finally got my EX FICO from here.................704!!!! :smileyhappy:

 

Does anyone know which version this is?




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Moderator
09Lexie
Posts: 26,630
Registered: ‎09-13-2012
0

Re: Garden Club Meeting - July 2013

Regular Contributor
culture
Posts: 201
Registered: ‎02-27-2013
0

Re: Garden Club Meeting - July 2013

Posted on the Amex thread...

 

3x declined because a BK .. I DONT HAVE A BK.. never have.....

 

checked my credit reports ... no info about a BK...

 

Dont know  what is happening. Will report on Monday   

Established Contributor
Simply827
Posts: 742
Registered: ‎10-15-2012
0

Re: Garden Club Meeting - July 2013


LS2982 wrote:

Finally got my EX FICO from here.................704!!!! :smileyhappy:

 

Does anyone know which version this is?


PSECU today wasn't enough?

 

Congrats on cracking 700.


Starting Score: 515
Current Score: EQ 689 EX 703 TU 707
Goal Score: 700+

PSECU $10000 | Discover IT $9250 | Barclay Ring $6500 | DCU $5000 | Citi DC $4600 | Amex BCP $4100 | Chase Freedom $4000 | PayPal Extras MC $3000 | US Airways $2000 | Cap 1 Platinum $1700 | Cap 1 QS One $1500 | Union Plus $1000 | Target $200

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}