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Garden Club Meeting - July 2013

Established Contributor

Re: Garden Club Meeting - July 2013

Aww yeah, GC July! Smiley Very Happy

Sigh* I almost applied for a CSP.. That's the only card i need right now, and I'm pretty much done with the app spreeeeeee after that. I will also garden for more than a year after I get a CSP..

Starting Score: (1/15)TU: 690 EX: 690 EQ: 711
Current Score: (2/16) TU: 690 EX: 684 EQ: 690
Goal Score: (7/18) 800+ for all three bureaus

Take the myFICO Fitness Challenge
Gardening until July 2018!

Message 81 of 2,774
Moderator Emerita

Re: Garden Club Meeting - July 2013

@enxinas

It'll be there when your ready ahem I mean finished gardening. Smiley Wink
Message 82 of 2,774
Frequent Contributor

Re: Garden Club Meeting - July 2013

Just checking in for the month of July. Still going strong, no itch here yet. Gold spade next month! Plan is to stay in the garden until at least November, and then maybe pick up a BCP and a Freedom (or PC from Amazon, trying to decide if the $100 cashback is worth a lower AAoA and I prefer a few high limit cards to numerous lower limit cards).

 

No real plans for credit in the near future unless I settle down and decide to buy a house, but that would be 2015 at least, in which case I will wait for my two baddies (SL lates that they won't budge on) to fall off as well.



Starting Scores: myFICO EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 789, myFICO TU: 782, myFICO EX: 788
My Wallet: American Express BCE, NFCU cashRewards, Capital One Quicksilver, Discover It, Chase Freedom, Chase Amazon Rewards
Gardening since 02/07/17
Message 83 of 2,774
Moderator Emerita

Re: Garden Club Meeting - July 2013

Message 84 of 2,774
Frequent Contributor

Re: Garden Club Meeting - July 2013


FocusedAndDetermined wrote:

LawStudentCivilis wrote:

FocusedAndDetermined wrote:

LawStudentCivilis wrote:

I have the itch to app. I don't even believe in excessive credit cards so that is out of the question. I need help to stay in the garden until it's time for CLI's. Smiley Happy Thanks


Just so you know, the fence has been charged and the gators haven't been fed all day.Smiley Wink


 Many thanks to you and Lexie! Idk, I'm a Louisiana girl. Gators might not scare me haha


Hmmm, in that case, does this work?

 

 


Smiley Very Happy I'm thoroughly convinced and staying put now!

Message 85 of 2,774
Moderator Emerita

Re: Garden Club Meeting - July 2013

@LawStudentCivilis

Good! As you see, we mean business. Smiley Wink
Message 86 of 2,774
Established Contributor

Re: Garden Club Meeting - July 2013

Hi Everyone

 

No Apps x 7 months, 3 negatives fell off, TU score bump of 8 points, time will heal all. Spending time in the real garden also, picken strawberries and rhubarb, yum yum!

Can't wait to app for my Chase Freedom in november. Utilization slowly going down, paying off some spendy bill, so I can apply more to CC's.

Best wishes everyone, and happy gardening!!!!!





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 04/17/2015 TU 741 Equifax 682 Experian 678

Goal Score: 700 across the board


Take the FICO Fitness Challenge

Last HP 6/10/2015
Message 87 of 2,774
Mega Contributor

Re: Garden Club Meeting - July 2013

175 days in the Garden

 

5 Days until I go Gold.

 

#GardenStrong




EQ FICO 548 3/3/16
Message 88 of 2,774
Senior Contributor

Re: Garden Club Meeting - July 2013

For sure time to garden now. So far made it through my apps without ever being declined...but now Discover just refused a CLI after 6 months  and this is a sign that I need to behave and garden until 2014 at least Smiley Happy  No problem..was just a "cosmetic" thing to try to adjust the CL to get closer to the other cards ... can live with it but will just adopt  the use of the card - Shop Discover only - rest will go on higher limit cards.

Move the mouse over the cards for detailed view!
....Last HP 01 NOV 2016...............
Message 89 of 2,774
Established Contributor

Re: Garden Club Meeting - July 2013

Is it bad that i'm tired of car shopping already?

 photo IT_REDDAISY_zps2c12a8e3.gif
Message 90 of 2,774