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Garden Club Meeting - July 2013

Moderator Emerita

Re: Garden Club Meeting - July 2013

@newportguy

Congrats on going Gold!

@enharu

You'll be fine!
Highlighted
Moderator Emeritus

Re: Garden Club Meeting - July 2013


newportguy wrote:

Just checking in.............Got my Gold Spade last week Smiley Happy  HAPPY HAPPY


How wonderful!!! Looks great -- congrats, and keep up the good work! Smiley Very 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

Re: Garden Club Meeting - July 2013


tinuviel wrote:

newportguy wrote:

Just checking in.............Got my Gold Spade last week Smiley Happy  HAPPY HAPPY


How wonderful!!! Looks great -- congrats, and keep up the good work! Smiley Very Happy


I am  in for the long haul !!!  Got my eye on that diamond Smiley Happy))))

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

Re: Garden Club Meeting - July 2013

Congrats... Smiley Happy


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


Alaska Airlines
Frequent Contributor

Re: Garden Club Meeting - July 2013


essexjet wrote:

Made it to bronze Smiley Happy

 

That was a tough month.


Congrats!

 

I'm on my fourth try and still haven't gotten it yet....Smiley Embarassed

New Contributor

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 Smiley Happy

 

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 Smiley Happy  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

Re: Garden Club Meeting - July 2013

Finally got my EX FICO from here.................704!!!! Smiley Happy

 

Does anyone know which version this is?




EQ FICO 548 3/3/16
Moderator Emerita

Re: Garden Club Meeting - July 2013

Regular Contributor

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

Re: Garden Club Meeting - July 2013


LS2982 wrote:

Finally got my EX FICO from here.................704!!!! Smiley Happy

 

Does anyone know which version this is?


PSECU today wasn't enough?

 

Congrats on cracking 700.


Starting Score: 515
Current Score: EQ08 711 EX08 731 TU08 735
Goal Score: 740+

Amex BCP $25k | Discover IT $15.7k | Cap 1 QS $10k | PSECU $10k | Citi DC $9300 | Citi DP $6800 | Barclay Ring $6500 | PayPal Extras MC $5045 | DCU $5000 | Chase Slate $5000 | Barclays AA $4100 | Chase Freedom $4000 | Union Plus $1000 | Target $500