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Established Contributor
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Registered: ‎06-08-2013
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Re: Garden Club Meeting - July 2013

[ Edited ]

Aww yeah, GC July! :smileyvery-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: 715 EX: 690 EQ: 711
Current Score: (2/15) TU: 751 EX: 726 EQ: 748
Goal Score: (7/16) 800+ for all three bureaus

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Gardening until July 2016!

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Re: Garden Club Meeting - July 2013

@enxinas

It'll be there when your ready ahem I mean finished gardening. :smileywink:
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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: 702, myFICO TU: 699, myFICO EX: 787
My Wallet: Chase Freedom, Discover It, NFCU cashRewards, Capital One Quicksilver, Chase Amazon Rewards
Gardening since 02/19/13
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Re: Garden Club Meeting - July 2013

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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. :smileyhappy: Thanks


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


 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?

 

 


:smileyvery-happy: I'm thoroughly convinced and staying put now!

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Re: Garden Club Meeting - July 2013

@LawStudentCivilis

Good! As you see, we mean business. :smileywink:
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Registered: ‎08-13-2011
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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 01/26/15 TU 732 Equifax693 Experian681
Equivalent lender pull 710
Goal Score: 700 across the board


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Re: Garden Club Meeting - July 2013

175 days in the Garden

 

5 Days until I go Gold.

 

#GardenStrong




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
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Registered: ‎11-13-2012
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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 :smileyhappy:  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.

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FICO® EQ 788 (as of today) - TU 777 (02/28).. ¦ ..Fako EX 808 (02/03 - CS)
Vantage score 3.0 TU 785 - EQ 805 (CK 03/05) .............................................bronze spade Garden Club Member


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Re: Garden Club Meeting - July 2013

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

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