Garden Club Meeting - July 2013

[myjourney]

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@culture wrote:

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   

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Sounds like a easy fix for a big CLI

[SemperGumby]

New to the gardening club.  Look forward to getting as much as I can out of it.  I am trying to buy a house in the next year.  This is going to be fun.  

Scores are currently:

Transunion -- 593

Equifax -- 596

Experian -- 581.

I went through a bad stretch with my bills in 2009 and my credit score went from about 700 in 2007 to low 500's in 2009.  I think one was even in the high 400's.  THis site has really helped me turn my perspective on credit and scoring around.  One of the big things holding me back right now is my credit utilization is high so that is hurting me.  Thankfully I am in a job now that pays pretty decent, $50k and I can get as much overtime as I want right now.  My goal is to use all of my overtime money to pay above and beyond my credit card minimums.  I'll actually be able to have them paid off in 4 months, my total credit card debt is $3300.  

Goals:

No new apps for 6 months.  

Raise scores to 640 plus.

[09Lexie]

@culture

Oh no! Please keep us posted

[09Lexie]

@mytime321

Welcome to the GC! I'm sure if you stick to your plan, you'll meet your goals!

[myjourney]

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@SemperGumby wrote:

New to the gardening club.  Look forward to getting as much as I can out of it.  I am trying to buy a house in the next year.  This is going to be fun.  

Scores are currently:

Transunion -- 593

Equifax -- 596

Experian -- 581.

I went through a bad stretch with my bills in 2009 and my credit score went from about 700 in 2007 to low 500's in 2009.  I think one was even in the high 400's.  THis site has really helped me turn my perspective on credit and scoring around.  One of the big things holding me back right now is my credit utilization is high so that is hurting me.  Thankfully I am in a job now that pays pretty decent, $50k and I can get as much overtime as I want right now.  My goal is to use all of my overtime money to pay above and beyond my credit card minimums.  I'll actually be able to have them paid off in 4 months, my total credit card debt is $3300.  

Goals:

No new apps for 6 months.  

Raise scores to 640 plus.

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Welcome to the garden

Your in the right place among friends who are paying down debt or increasing score for new TL's and we supprot each others dreams

Pay that debt off and you will in that new home before you know it.

[SemperGumby]

Thank you for the support.    The good part is that living in central Florida it's a huge buyer's market right now.  

[SemperGumby]

My goal is to buy around March.  So it's a close timeframe, but not impossible.  I may wait the entire year and rent something short term.

[myjourney]

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@SemperGumby wrote:

Thank you for the support.    The good part is that living in central Florida it's a huge buyer's market right now.  

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I'm a Floridan myself South Florida and correct buyers market after the crash...so go get that new home

[SemperGumby]

How many of the people here in the garden use score watch?

[knoregs]

Dang... Cap1 stuck me with annual fee the same day statement cut. Gonna cost me a few points.

~kn