@RockinRay wrote:I'm still here for the rest of this year.
And, I'm right beside you. Still hoping to cultivate a good FICO® score and building up some AAofA. I will be so glad to get out of limbo-land and what I mean by that is, because I have no FICO®, I don't have any numerical indication of how well I am doing, so I feel like I am in limbo. However, I must give thanks because my credit reports are looking cleaner, Experian is only reporting "goodies" and no "baddies," Equifax and Transunion still have some baddies but thank God, they are supposed to be gone sometime in April/May. No worries on heavy utilization because I have the pay before statement closing date system down -- I leave a dollar or two on only one card when the statement finally closes and pay that off before the statement due date. I've developed a habit of doing this and, I hope it will help to spike whatever score FICO® is generating for me. So, for the rest of the year, its one day at a time, with continued prayers for a good harvest.
It thrills my heart to read of so many good approvals for prime cards lately and, even a report or two of graduations from secured to unsecured cards. Springtime is off to a good start. 
I think I'll go get a glass of iced tea and do some light internet shopping with my young toy cards. My best to all of you!
@tubesock wrote:Hello Everyone...
Glad to be in the Garden this month. My goals are to continue paying down my debt to lower my utilization.
Started January's utl@44%.
Started February's utl@41%.
And I am very proud to announce that I am starting March's utl@20%. I'm really proud of myself
What's in my Garden?
Cap1 Platinum MC: $0/$750
Lane Bryant: _____$0/$1,110
Amex HHonors___$0/$3,000
Citi Plat Select MC_$2,785/$4,800
Goodyear________$0/$5,850
Sam's Personal___$1,283/$8,500
DCU Visa Plat_____$563/$20,000
NFCU cash/rewards$9,672/$20,000
Amex Zync_High balance $0/$4,653
HAPPY GARDENING!!!
Very Nice Box.....
Garden...month 2
After a slew of new accounts and closures, I've got my lineup of cards right where I want. Unfortunately I took a massive FICO hit and now sit < 720. I know its still a good score but its a 20-30 point drop after everything reported.
@ficonightmare wrote:
@dharalex wrote:
I've been app free for over a month! Wow, I really feel like an addict. I really don't count that Jan Amex app, because it will be backdated to 2004. Anyway, I have great cards, and only have room or plans for 1-2 more in the next 2 years. I just read The Road to 850, and it has done wonders with keeping me away from the app button. I do, however, plan to maybe prune one $375 limit card opened in 2007. It's a store card, and I no longer shop there, plus I really only want major cards with respectable CL. So here's to everyone who is in the garden...have a great month!
Why aren't you counting it? Mine was backdated too but I still took a hit for the inquiry.
1 point fr the inq didn't kill me!
Starting Score: TU:676;EQ:648 8/2011
@FrugalRican wrote:Heh.
Funny how I mentioned the AMEX Gold offers I get in the mail.
Got one today again.
Then my phone rang. It was Gandalf. I answered the phone and he said:
"YOUUUUUUUU SHHHHAAAAALLLLLL NOT APPPPPPPPPPPPPPPPPPPPPP"
ROTFL!!! Good one!!! 
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
@NikJ4 wrote:
@tubesock wrote:Hello Everyone...
Glad to be in the Garden this month. My goals are to continue paying down my debt to lower my utilization.
Started January's utl@44%.
Started February's utl@41%.
And I am very proud to announce that I am starting March's utl@20%. I'm really proud of myself
What's in my Garden?
Cap1 Platinum MC: $0/$750
Lane Bryant: _____$0/$1,110
Amex HHonors___$0/$3,000
Citi Plat Select MC_$2,785/$4,800
Goodyear________$0/$5,850
Sam's Personal___$1,283/$8,500
DCU Visa Plat_____$563/$20,000
NFCU cash/rewards$9,672/$20,000
Amex Zync_High balance $0/$4,653
HAPPY GARDENING!!!
Very Nice Box.....
Thanks Nik...been working on it since 2009. Time is a wonderful fertilizer