02-28-2013 04:54 PM
I'm a bronze, yay!
02-28-2013 04:55 PM
Nice evil....I'll be with you in 8 days.
02-28-2013 04:57 PM - edited 02-28-2013 05:02 PM
In addition to being delicious, mini-quiches are pretty good at absorbing the scotch I've been drinking lately... double bonus, thanks as always Tinu.
Since I managed to PC to a BOFA Travel Rewards I wound up skipping on the SDFCU secured card and am just holding pat financially until sometime in October when the ugly elephant will be out of my garden and off my report.
At that point will try an initial mortgage app to see where I stand and if I can pull together the resources for a starter condo.
hit 660 on the Beacon 5.0 score the other day, am hoping now to hit 680 before I go house shopping. Funny thing that's with all the new accounts minus the BCP reporting finally, guess there's some benefit to not having had an AAoA calculation above 2 years in the first place and the app spree being inconsequential.
Gardening, please be good to me again this year as you were last year!
PS. Finally spaded again!
02-28-2013 05:06 PM - edited 03-05-2013 07:18 AM
Just joined the garden last month after my app spree. March is my 3rd month now but since I do not like the spade symbols I will keept the seeding one...It just looks nicer but my goal is clear - no apps until 2014. The only thing that would most probably let me forget about my goal... a CSP pre-approval
Edit: Decided to go with the "official" symbols and changed to the bronze spade even though I do not like the design. But the diamond looks cool..
02-28-2013 05:13 PM
Left the garden (after a year) to get myself a Walmart card in Feb. No plans to apply for additional credit anytime soon so I will put back on my gardening gloves!
02-28-2013 05:16 PM
I'm "new" to the garden here, but I've been gardening all along since 10/2011. I plan to stay until June, possibly September, when I try for Chase Freedom and Discover It. I'll also likely be getting a new car loan. After that, I'll be back in the garden for another good long while.
02-28-2013 06:07 PM
Happy gardening to all!
I'm still here and it will be some time before my next spade. This month I reduced utilization across all cards from 77% to 45%. Still high but it should be around 10% by the end of March. Have 2 cards I would like to add to the portfolio in the coming months, so once my low util reports I'll step out of the garden.
02-28-2013 06:12 PM
still here. hoping I can stay in for a while, but it appears i seriously underestimated how much a new back yard would be.... hopefully i wont have to apply for a small loan for the rest of the cost.
02-28-2013 07:09 PM
Well congrats to everyone joining/ staying in the garden.
i am officially 6 months of no inquries, and getting my silver spade on the 5th, unlike last time though im in it for at least a platinum spade! (9 more months to go) and all my inquries will be over a year and a half.
discover has been sending pre approvals for the it, but im holding out for another amex, and a cli on my freedom.
happy gardening too all, and good luck this month.
|Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)|
Starting total revolving credit: $2600 | Current total revolving credit: 31k+
Inquiries (24 Months): EQ 8 TU 7 EX 8 | Most Recent: 09/04/2013
|Amex Zync(Unicorn) |
Citi Diamond Preferred$6000
02-28-2013 07:49 PM - edited 02-28-2013 08:09 PM
Okay, I lied. I have a Capital One secured 49/200 now too. I got a 7-10 day message and assumed I had been denied. So now I'm in the garden with 3 TLs to grow. Now somebody pass the vodka please. I've changed my mind and am staying in the garden until at least November.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO