Established Contributor
Posts: 772
Registered: ‎01-03-2012

Re: Garden Club Meeting - June 2012

tcbofade wrote:

Day 22. 


Starting to think that I might actually make it to 30 days....  :smileytongue:

Ha!  I just hit 30 days today, so I'm living proof that it can be done... :smileytongue:


Would love to add the bronze spade to my tagline, but there's really no point - I will have a student loan inquiry show up in July/Aug, and then one final one (I believe) around December.  l think it would do more damage to my psyche to have to keep updating (i.e. removing) my status symbol and revealing my shame to all the gardening forum...  :smileywink:

Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

New Member
Posts: 2
Registered: ‎06-27-2012

Re: Garden Club Meeting - June 2012

Joining the gardening club.


Got approved for a number of cards... :-)

Amex Zync (06/12) | Discover More $2K (06/12) | Associated Bank Visa via Elan $6K (06/12) | Chase $500 (06/12) | Wells Fargo Visa $4K (11/11)

Quizzle Score (Experian): 673 [06/28/2012]
Established Contributor
Posts: 726
Registered: ‎05-12-2012

Re: Garden Club Meeting - June 2012

Congrats on the approvals, and welcome to the Garden, pull up a lounge and have a drink.  Bar-B-Q is on tha way! :smileyhappy:

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Valued Contributor
Posts: 2,512
Registered: ‎09-26-2011

Re: Garden Club Meeting - June 2012

23 whole days in the garden. 


Hmph.  Somehow, it's not very satisfying...yet....

Current Scores: EX 694 (FCR) TU08: 650 Wally. 12/10/14
Last app 05/29/2014.
Being held hostage in the garden until 06 January 2015!
Zero percent financing is where the devil lives...
Established Contributor
Posts: 760
Registered: ‎02-11-2012

Re: Garden Club Meeting - June 2012

The aroma, ahhhhhhhh. Fresh strawberries and sweeeeeeeeeeeeeeeet corn!

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)

Remember the Three P's: Pay early in Full, Pay on Time, Patience
Regular Contributor
Posts: 154
Registered: ‎12-21-2011

Re: Garden Club Meeting - June 2012

Applying for new cards is very addicting.    Very......very .....especially when you are offered a discount if you apply.

Starting Score Aug 2011 590/ Gardening until 2013!!
Current Score Walmart 683/ FICO Equifax 722/738/ 708 Transunion FICO 700/ 725 Credit Karma 648/678/
Goal Score 750
Credit Cards- Orchard $300, Capitol One $300/$500, Amazon $600/$1300 Pennys $700, Walmart $250/$700, Discover $2000, Chase $1500 Pending Citi/Declined Cit- Inquires and new credit....... GARDENING UNTIL 2013 or home loan time!!! Help me stay strong!!
Posts: 9,732
Registered: ‎12-30-2011

Re: Garden Club Meeting - June 2012

Happy Gardening!  It works: FICO 631! :smileywink:


Sorry I shouldn't be so tickled pink about this but I can't help but smile thinking about it.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)

Take the myFICO Fitness Challenge
Posts: 2,876
Registered: ‎02-02-2012

Re: Garden Club Meeting - June 2012

How do I italicize my signature like a few of you have done for the Spade thingy-ma-thing?

Follow my financial journey:

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)

Posts: 6
Registered: ‎06-26-2012

Re: Garden Club Meeting - June 2012

Hello, I'm new to posting here!  I'm hoping the Garden is the correct place for me to post.  I haven't really paid much attention to my FICO score in the past.  However, several months ago Citi suddenly reduced my CL on one of my cards, and after reading here I assume it's because my score dropped due to high utilization.  I have a variety of cards with CL ranging from $300 to $5000, and most are carrying high balances.  I have only one 30 day late from 2005 that should be due to drop off my report in a few months. 


Until I started reading on these boards, I was pretty ignorant of the different rewards offered by certain cards.  I don't think my current cards offer the kinds of rewards I see being discussed here, but eventually I'd love to take advantage of those kinds of programs.  For the timebeing, however, my goal is to spend the rest of this year paying off my credit card debt, and hopefully watching my FICO score rise (and my interest payments drop!)  Now that I'm aware of these rewards cards it is very tempting to apply, but I think I'll be in a much better position to app when my scores are higher. 


Thanks to all for posting here!  I've learned a lot already from reading these forums. 

EQ 666 (6/26/12) TU 663 (6/29/12)
Posts: 14,902
Registered: ‎07-14-2009

Re: Garden Club Meeting - June 2012

FrugalRican wrote:

How do I italicize my signature like a few of you have done for the Spade thingy-ma-thing?

Go to My Settings-----> Personal Information. In the Signature box put <i> in front of the things you want to italicize and </i> at the end.


Or I can do it for you. 

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