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Super Contributor
marty56
Posts: 5,679
Registered: ‎10-06-2007
0

Re: Garden Club Meeting - June 2012

[ Edited ]

Just decided to pop in and see who will crack first, come on, you know you want to app.

 

Just think about how nice that shiny new CC will full in your hand.  When the new card shows up it says take me, I'm yours, but be gentle - I have never done this before.

 

Remember that old AE commerical about "let's go and brake it in".

 

Seriously,  I know it hard to resist and Lord knows I wish I had all those years ago but hang in there.  You can do it.

09/12/2013 FICO: EQ: 772 EX:813 TU:752
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FrugalRican
Posts: 2,876
Registered: ‎02-02-2012
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Re: Garden Club Meeting - June 2012

marty, you are one strange bird.................... in the garden.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
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Re: Garden Club Meeting - June 2012


traveler2005 wrote:

Hi  Everyone

 

 

 

Along with doing some real gardening at home, I am also doing some credit gardening, I have a few weeds that I want to pull, and let the rest of my garden grow. Scores EQ 660 and TU 652, Exp Fako 674.  I am trying to stay in garden till next may, with the exception of a possible car loan, current vehicle has 201000 miles.  New tires and shocks today to the tune of $1350.00  ouch!!!!

 

Weeds that I want to pluck are FP, Fingerhut, applied bank and credit one and possilby a few  orchard bank cards with low limits. I have some baddies on my report that I will have to let age off. I have goodwilled to the point of being threatened with a harassment charge from FP if I continue. LOL.   I have tried GW'ing nelnet and midland without success. Will continue to GW them. I also have a few paid public records that I will try to have removed.

 

I so much next year would like to apply for a prime card. I have the l Barclay, Cap 1, Orchard, Lowes, Walmart, Pennys, Macy's, Old Navy, Sams, Kohl's, Care Credit, Lowes, Paypal, Firestone, american eagle cards, which I am proud to have because 2 years ago I couldn't get anything. My equifax score in August of 2010 was 523, my progress has been slow but steady, hopefully in a couple of years I will have a A.E. and discover. Best wishes to everyone, I am so thankful that I found MY FICO what a wonderful group of people. Thanks to everyone and all the help you have given me since last august.  :smileyvery-happy:

 


 

You've made wonderful progress with your credit rebuild -- congratulations! Keep up the good work. Time heals all credit wounds, and if you tend your garden well, you'll find your way to primeville. Best wishes on your continued credit journey. :smileyhappy:


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
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - June 2012


marty56 wrote:

Just decided to pop in and see who will crack first, come on, you know you want to app.

 

Just think about how nice that shiny new CC will full in your hand.  When the new card shows up it says take me, I'm yours, but be gentle - I have never done this before.

 

Remember that old AE commerical about "let's go and brake it in".

 

Seriously,  I know it hard to resist and Lord knows I wish I had all those years ago but hang in there.  You can do it.



Let's focus on this part, ok? :smileywink:


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
Super Contributor
marty56
Posts: 5,679
Registered: ‎10-06-2007
0

Re: Garden Club Meeting - June 2012

Ok I have been in the garden by proxy for 2 years.  I don;t think I will ever apply for a CC again.  Who's with me?

09/12/2013 FICO: EQ: 772 EX:813 TU:752
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - June 2012


marty56 wrote:

Ok I have been in the garden by proxy for 2 years.  I don;t think I will ever apply for a CC again.  Who's with me?


 

I'm not sure what you mean by that. Would you please explain? Thanks.

 

As for never apping for a CC again -- well, no. I've been rebuilding over the last two years. I've identified some prime cards that I'd like to add to my wallet and hope that I might be able to get them by the end of the year. After that I hope to be able to sit back for a long time and just enjoy using them. But, who knows what may be offered in the future, so I'd never say never.


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
Super Contributor
marty56
Posts: 5,679
Registered: ‎10-06-2007
0

Re: Garden Club Meeting - June 2012

[ Edited ]

I never thought to join the garden, I just didn't want to do anything to lower my FICO score.  That included reported balances, # of CC reporting a balance.  My goal was and still is to get to 800+ and stay there.  I also made a pact with myself to try not to do any business with a large bank and just stay with my local CU unless that wasn't an option for a autoloan.

09/12/2013 FICO: EQ: 772 EX:813 TU:752
Established Contributor
NikJ4
Posts: 662
Registered: ‎01-24-2008
0

Re: Garden Club Meeting - June 2012


LS2982 wrote:

So who's in on the challenge??............................:smileysurprised:


Ok, I'm in for your challenge LS. I am so good right now. I have $5k Visa from NFCU and $5k Nav Chek so need nothing else. Will play in the garden and enjoy my time.thank you all for the support.


Start Score:493Current Score:635
Goal Score: 700>>>>>App free since (umm not saying...I struggle with this)
Established Contributor
emptypockets
Posts: 973
Registered: ‎02-03-2009
0

Re: Garden Club Meeting - June 2012

 

Update, BK fell off TU today, I am BK (and all clean) on all 3 reports. TU score went from 709 (3/2012) to 753! Not as nice a jump as EQ, but I will take it. I am still staying in the garden until at least July - maybe August. That will probably be as long as I can resist the urge to app for a Chase card. Can someone pass the anti-itch cream?


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Nordstrom Visa,US Bank Cash+, Chase (5), Huntington Voice, UMB Visa, Dillard's AMEX, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Macy's AMEX; Several store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (8/7/2014): 816; EX (6/14): 775
Established Contributor
BrokaToe
Posts: 726
Registered: ‎05-12-2012
0

Re: Garden Club Meeting - June 2012

Hey emptypockets, Congrats on the BK falling off!  Good feeling eh?


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