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Community Leader
Senior Contributor
Posts: 30,824
Registered: ‎02-07-2013
0

Re: Garden Club Meeting - March 2013

The garden is to quite im calling it a night.

Everyone stay strong, remember why you came to the garden and continue to work your plan

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Garden Club Meeting - March 2013

Community Leader
Senior Contributor
Posts: 30,824
Registered: ‎02-07-2013
0

Re: Garden Club Meeting - March 2013


09Lexie wrote:
Good night myjourney! See ya here tomorrow.

Smiley Wink

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
New Contributor
Posts: 70
Registered: ‎03-03-2013
0

Re: Garden Club Meeting - March 2013

[ Edited ]

It is time for me to join the garden club.  Some info on my profile/history:

 

I just applied for the following:

 

Gap approved for 250

Chevron approved for 950

Barclays ring denied

Barclays CLI approved on one account for 3600 to 5610

Barclays CLI denied for second account stuck at 3180

Partners FCU approved for CLI from 5000 to 13000

Amazon approved for CLI from 3600 to 7000

Walmart denied CLI

 

Awaiting:

SDFCU CC

SCEFCU CLI request

CapOne EO request for CLI and lower interest

 

Below is my history.

 

Ch7 BK discharged 3/2009

EX: 9/12: 657

EQ: 10/11:650 10/12:641 3/13: 684

TU: 10/11:675 10/12:667 3/13: 691

 

Bloomingdale's store (10/99): 2,500, 4,400 11/12

CapOne #1&2 (1/10): 1,500, 5,000 10/12 (each)

Alliant rewards (8/10): 2,000, 4,000 9/10

Barclays Apple (10/11): 1,290, 3,000 10/11, 3,600 9/12, 5,610 3/13   |   Barclays iTunes (10/11): 490 10/11, 1,800 9/12, 3,180 11/12

Amazon store (8/12): 900, 1,800 9/12, 3,600 11/12, 7,000 3/13   |   Walmart store (9/12): 900 9/12, 1,800 11/12, 3,600 1/13

Gap (3/13): 250

Chevron (3/13): 950

Partners (9/12): 5,000, 13,000 3/13

SCEFCU Visa (9/12): 5,000   |   SCEFCU auto (9/12): 22,000 3.9%

 

Time to garden for at least 6 months!

Ch7 BK discharged 3/2009
Bloomies (10/99): 4k Alliant (8/10): 4k
SCEFCU Visa (9/12): 6k SCEFCU auto (9/12): 22k
Barclays Apple (10/11): 5k iTunes: 3k SLM: 15k
Amazon (8/12): 15k Walmart store (9/12): 6K
Partners (9/12): 20k CapOnex2 (1/10): 10k Discover IT (3/13): 5k
SDFCU: 20k Amex BCE: 8k
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Garden Club Meeting - March 2013

@thirst305

Welcome to the Garden! If you haven't already, I would recon your Barclays Ring denial.
New Contributor
Posts: 70
Registered: ‎03-03-2013
0

Re: Garden Club Meeting - March 2013

Thanks for the feedback

 

I call the credit analyst number and pleaded my case to no avail.  Should I try to recon again when I get the denial letter?

Ch7 BK discharged 3/2009
Bloomies (10/99): 4k Alliant (8/10): 4k
SCEFCU Visa (9/12): 6k SCEFCU auto (9/12): 22k
Barclays Apple (10/11): 5k iTunes: 3k SLM: 15k
Amazon (8/12): 15k Walmart store (9/12): 6K
Partners (9/12): 20k CapOnex2 (1/10): 10k Discover IT (3/13): 5k
SDFCU: 20k Amex BCE: 8k
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Garden Club Meeting - March 2013

Valued Contributor
Posts: 1,084
Registered: ‎02-06-2013
0

Re: Garden Club Meeting - March 2013

    I pressed the LUV button for Walmart CLI and after I entered income info it said something like "this account is not eligible for an online CLI. I have had the account 2 months. I guess I am going to wait til month 4 and call... I am in the garden now. I started my credit rebuild journey 2 months ago. Although I have established 2 new positive tradelines, filed form 12277 with the irs, tried back and forth in several ways to get my other baddy removed both with the CRAs and the creditor, my scores have not improved at all yet. That is ok though because I know that having 2 healthy tradelines building will eventually get me to the promised land. I have burned a few inquires with unsuccessful aps but I don't regret that. It is just part of the process and my scores will recover from that relatively soon. I know that having 2 new accounts isn't great for my score in the short term, but in the mid term I went from 0 credit accounts active to 2 and I am confident that over time my scores will improve. 

    The other thing I accomplished is that I now receive 2 free fico scores per month. One from DCU and one from Walmart. My scores are still very low. I knew it would be a long process so I am choosing to just be patient. I am still at TU08 519 and EQ Beacon 625, but my federal lien should come off either from being withdrawn or from reaching the 7 year limit August this year. One of my credit reports says o the report that my lien is scheduled to drop off 8/13. My most recent late paym. ents are over 3 years old and I continue to slowly add positive info to my reports. I need to stay in the garden long enough for my scores to make a significant move, say 50 pts to get me to that next level of cards.....

259/21001600/16002400/25002000/2000,2013 Scores (Initially none cause I had no credit at all then TU:519 Recent scores:FICO EX 632,EQ 635,TU 659....Link to my Rebuild Log
Frequent Contributor
Posts: 424
Registered: ‎01-14-2009
0

Re: Garden Club Meeting - March 2013

 

 

This is exactly how I feel this AM.


No apps/new accts since 2011

***FICO EXPERIAN 830***
***FICO EQUIFAX 828***
***FICO TRANSUNION 822***




Highlighted
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
0

Re: Garden Club Meeting - March 2013


pazuzu wrote:

 

 

This is exactly how I feel this AM.


LOL!!  I'm right there with you!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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