Reply
Frequent Contributor
Posts: 364
Registered: ‎10-25-2012
0

Re: Garden Club Meeting - March 2013

In the garden for about two weeks . Plan to stay until early next year most my baddies will be off and i will be able to get my first home . Glad these gardening post get updated pretty often . Sometimes seeing everyone getting all these new cards tempts me eventhough I know I can't get them . Glad there is some support for those of us who just need to wait and age our credit history.
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Garden Club Meeting - March 2013

Still firmly planted, watching my garden grow. Approaching four months. Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - March 2013


Swapmeet wrote:

@ Tinuviel,

 

Welcome back to seedling status. It's not like I was in the garden... But the card that put me here was the freedom. So sit back, relax, and enjoy the sweet smell of freedom bro



That's more like sis! Smiley Wink


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
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - March 2013


Simply827 wrote:

Hi I'm new. I haven't had an app since 10/2011. Do I have to start at seedling or can I go to whatever level corresponds to that time? Thanks.


Hello, and welcome to the Garden Club!

 

No, you don't have to start at seedling status; just count from when your last apped for credit, and congrats on that nice platinum spade!


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
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - March 2013


creditnocash wrote:

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. 


 

If you haven't apped for six months, then you should already be at gold spade status. Smiley Happy


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
Valued Contributor
Posts: 1,569
Registered: ‎11-10-2012
0

Re: Garden Club Meeting - March 2013


tinuviel wrote:

Swapmeet wrote:

@ Tinuviel,

 

Welcome back to seedling status. It's not like I was in the garden... But the card that put me here was the freedom. So sit back, relax, and enjoy the sweet smell of freedom bro



That's more like sis! Smiley Wink


lol, my fault. I suppose I should be more cautious. I guess I don't consider gender when I say bro. I don't know if it's because I was born and raised in Southern California, or what. What is a cool sounding, one syllable word that Identifies a female? Because sis just won't cut it. I do apologize for the masculine insinuation though.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Valued Contributor
Posts: 1,453
Registered: ‎04-14-2012
0

Re: Garden Club Meeting - March 2013

Well


Swapmeet wrote:

tinuviel wrote:

Swapmeet wrote:

@ Tinuviel,

 

Welcome back to seedling status. It's not like I was in the garden... But the card that put me here was the freedom. So sit back, relax, and enjoy the sweet smell of freedom bro



That's more like sis! Smiley Wink


lol, my fault. I suppose I should be more cautious. I guess I don't consider gender when I say bro. I don't know if it's because I was born and raised in Southern California, or what. What is a cool sounding, one syllable word that Identifies a female? Because sis just won't cut it. I do apologize for the masculine insinuation though.


TEXAS here ( enjoy the sweet smell of freedom ma'am)

*8/10/13
Established Contributor
Posts: 647
Registered: ‎07-03-2012
0

Re: Garden Club Meeting - March 2013

[ Edited ]

Still here and coming up on two months. Oddly enough my Penfed card still hasn't reported... Once it does I may purchase a report on here to get an updated fico score. March 9th is the day I can ask for a cli with AMEX. I can't wait to see if I get the full 3x increase. Other then that I'm here to stay until at least August and more likely February.


Established Contributor
Posts: 515
Registered: ‎07-31-2012
0

Re: Garden Club Meeting - March 2013

Still here and as of today I'm silver!! LOL.  Saw my scores drop a little since I used my cards on my Thailand trip but I've already seen them bounce most of the way back, I PIF'd as soon as I got back so now to garden until new truck time in late summer.


What's in my wallet: Cap1 Venture NFCU Sig Visa Delta Gold Amex BCE Citi Simplicity IHG World MC Amazon Visa CSP
Starting Score: 5/2010 550-ish
Current Score: 6/20/2013 TU 800 6/20/2013 EQ 770 6/20/2013 EX 775
Goal Score: 800 accross the board
New Contributor
Posts: 86
Registered: ‎10-29-2012
0

Re: Garden Club Meeting - March 2013

Apped for a few cards in Feb, but I'm in the garden for a while now - at least 9 months, maybe longer, depending on how long it takes to get a sufficient down payment for a mortgage!

Recent FICO scores: TU - 755 (mortgage lender pull)
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.