Credit Cards Center Credit cards from our partners
Reply
Frequent Contributor
Posts: 329
Registered: ‎02-24-2012
0

Re: Garden Club Meeting - July 2014

Good morning everyone!  I seriously need to garden.   I always look at these threads but back away from the commitment - just not good with commitment Smiley Indifferent 

I would like to start today, however I am waiting for two accounts I was approved for last month to be added to my reports, so would my official start date be when they finally report or can it be today.  I NEED  TO BE IN THE GARDEN!!!!!!!!!!



Last HP 8/29/14

Established Contributor
Posts: 524
Registered: ‎08-24-2011
0

Re: Garden Club Meeting - July 2014


Rain77 wrote:

Good morning everyone!  I seriously need to garden.   I always look at these threads but back away from the commitment - just not good with commitment Smiley Indifferent 

I would like to start today, however I am waiting for two accounts I was approved for last month to be added to my reports, so would my official start date be when they finally report or can it be today.  I NEED  TO BE IN THE GARDEN!!!!!!!!!!


Welcome to the garden, Rain77! Stick with us, and exercise your commitment.

The garden gives great fruits... :  )

SevenNEW, Garden Nerd - In the Garden until 2015!
4.2K 10K 24.6K
Frequent Contributor
Posts: 329
Registered: ‎02-24-2012
0

Re: Garden Club Meeting - July 2014


SevenNEW wrote:

Rain77 wrote:

Good morning everyone!  I seriously need to garden.   I always look at these threads but back away from the commitment - just not good with commitment Smiley Indifferent 

I would like to start today, however I am waiting for two accounts I was approved for last month to be added to my reports, so would my official start date be when they finally report or can it be today.  I NEED  TO BE IN THE GARDEN!!!!!!!!!!


Welcome to the garden, Rain77! Stick with us, and exercise your commitment.

The garden gives great fruits... :  )


Thanks SevenNew.  I certainly plan too. 



Last HP 8/29/14

Established Contributor
Posts: 577
Registered: ‎05-29-2014
0

Re: Garden Club Meeting - July 2014


Rain77 wrote:

Good morning everyone!  I seriously need to garden.   I always look at these threads but back away from the commitment - just not good with commitment Smiley Indifferent 

I would like to start today, however I am waiting for two accounts I was approved for last month to be added to my reports, so would my official start date be when they finally report or can it be today.  I NEED  TO BE IN THE GARDEN!!!!!!!!!!


WELCOME! Smiley Happy

Original Scores: EQ FICO 645, TU 672, EX FICO 663 (4/2014)
Current Scores: EQ FICO 781, TU 790, EX FICO 767 (10/2015)
Frequent Contributor
Posts: 356
Registered: ‎01-16-2013
0

Re: Garden Club Meeting - July 2014


Rain77 wrote:

I would like to start today, however I am waiting for two accounts I was approved for last month to be added to my reports, so would my official start date be when they finally report or can it be today.  I NEED  TO BE IN THE GARDEN!!!!!!!!!!


Your Garden Since Date (GSD) would be the day of/day after your last hard pull (HP). It appears to me that you are already in the garden. Go back and see what day your last app was, and go from there.



Starting Scores: myFICO EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 777, myFICO TU: 778, myFICO EX: 779
My Wallet: NFCU cashRewards, Capital One Quicksilver, Discover It, Chase Freedom, Chase Amazon Rewards
Gardening since 06/08/15
Frequent Contributor
Posts: 329
Registered: ‎02-24-2012
0

Re: Garden Club Meeting - July 2014

Thanks JoMellow.  I feel at home already Smiley Happy

 

I was just browsing some homes.  I really want to purchase in the next year or  two tops.  I think having that as my ultimate goal will keep me on track. 



Last HP 8/29/14

Established Contributor
Posts: 604
Registered: ‎04-24-2014
0

Re: Garden Club Meeting - July 2014

Morning every one!  I'm resigned to the fact I'll probably be here another 21 months or so.

                   
Equifax® FICO®
804
TransUnion® FICO®
825
                 
Frequent Contributor
Posts: 356
Registered: ‎01-16-2013
0

Re: Garden Club Meeting - July 2014

Checking in for July. No plans to app for anything until at least early 2015, and next month I'll pick up an Emerald. Smiley Happy

 

Should get my quarterly myFICO report in a couple weeks, which will reflect paid off SL and 1 of 3 negatives falling off my report. Hoping to see some kind of score bump, as I haven't seen any significant changes in a while. Hoping to see a further increase as well next month when another negative falls off. Fingers crossed.



Starting Scores: myFICO EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 777, myFICO TU: 778, myFICO EX: 779
My Wallet: NFCU cashRewards, Capital One Quicksilver, Discover It, Chase Freedom, Chase Amazon Rewards
Gardening since 06/08/15
Frequent Contributor
Posts: 329
Registered: ‎02-24-2012
0

Re: Garden Club Meeting - July 2014


_jb_ wrote:

Rain77 wrote:

I would like to start today, however I am waiting for two accounts I was approved for last month to be added to my reports, so would my official start date be when they finally report or can it be today.  I NEED  TO BE IN THE GARDEN!!!!!!!!!!


Your Garden Since Date (GSD) would be the day of/day after your last hard pull (HP). It appears to me that you are already in the garden. Go back and see what day your last app was, and go from there.


Ok, thanks.  I wasn't sure if I should go by pull or TL. 



Last HP 8/29/14

Established Contributor
Posts: 577
Registered: ‎05-29-2014
0

Re: Garden Club Meeting - July 2014


Rain77 wrote:

Thanks JoMellow.  I feel at home already Smiley Happy

 

I was just browsing some homes.  I really want to purchase in the next year or  two tops.  I think having that as my ultimate goal will keep me on track. 


That's a great goal to work towards - Gardening will really pay off when you're ready to make that big step...  g'luck!!!

Original Scores: EQ FICO 645, TU 672, EX FICO 663 (4/2014)
Current Scores: EQ FICO 781, TU 790, EX FICO 767 (10/2015)

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.