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

Re: Garden Club Meeting - March 2013

[ Edited ]

I got a SW alert that my score went up to 707. This should help my score against the three new accounts reporting. I think it is because WalMart reported my CLI.... It just doesn't seem like that would do it..... Oh well, I'm not going to worry about it and just enjoy it.

 

[Edit: I have just been tempted with an invitation to apply for a citi diamond preferred card.]



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
Contributor
Posts: 97
Registered: ‎10-03-2012
0

Re: Garden Club Meeting - March 2013

Closed my USAA Sec Amex and received a nice chunk of change in return after 2 years. All I need is for my Cap1 sec CC to eventually close and to get my deposit back :smileyhappy:  Having a good start with my last inq giving me a 5.5K CL with USAA. 

 

Waiting and gardening to hit my 1 year mark (dec 2013) with my AMEX Gold so I can PC to the PRG. 

 

I have my eye on the CSP for 2014

 

But that diamond gardening img sure is nice. 

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Garden Club Meeting - March 2013


Swapmeet wrote:

I got a SW alert that my score went up to 707. This should help my score against the three new accounts reporting. I think it is because WalMart reported my CLI.... It just doesn't seem like that would do it..... Oh well, I'm not going to worry about it and just enjoy it.

 

[Edit: I have just been tempted with an invitation to apply for a citi diamond preferred card.]


NO!!!!

 

(passes itch cream...)

 

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
Posts: 202
Registered: ‎07-27-2012
0

Re: Garden Club Meeting - March 2013

[ Edited ]

Back to seedling, but I had to do it. I'm going on vacation at the end of the year to Jamaica.

I needed the 50k MR points. But, I got the 14 day message, so approval is unknown at this point. I'm currently an AMEX member so if it's a denial, it'll be a softpull. If I'm approved I'll get the hardpull hit but backdating love from 2008 so hopefully it will cancel out.

Current Cards: AMEX Everyday ($5k), AMEX BCE ($15.2k), Arrival ($7.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($5k)

1/15 - 792 Fico EX (AMEX) - In garden indefinitely.
Valued Member
Posts: 57
Registered: ‎01-19-2013
0

Re: Garden Club Meeting - March 2013

I'm grabbing a guiness and some deviled eggs while I chill out here and repent for the trashing I've done to my aaoa... Got my freedom yesterday in the mail still waiting on the penfed... my mortgage is finally showing up on online banking so now just have to wait for them to report to the bureaus...
FICO: 782(Ex, AMEX 8/12), Mortgage Pull(3.0%, 5/1 ARM from Local CU 2/2013): 725(EX), 757(TU), 772(EQ); 775(EX, Amex 8/14)
Cards: Amex BCE(10300), Discover(7000), Target (1000), PenFed Platinum Rewards Visa (8500), Chase Freedom(5000), Barclay Arrival+ (10000), Amex HHonors Surpass(11,800)
App'd: Barclay & Hhonors Surpass Aug 2014, PenFed & Freedom Feb 2013, Amex & Target Jul 2012, Discover Feb 2008 Gardening til ???
Goals: TBD, possibly a mortgage refi to a fixed rate or better adjustable
Valued Contributor
Posts: 1,569
Registered: ‎11-10-2012
0

Re: Garden Club Meeting - March 2013


LS2982 wrote:

Swapmeet wrote:

I got a SW alert that my score went up to 707. This should help my score against the three new accounts reporting. I think it is because WalMart reported my CLI.... It just doesn't seem like that would do it..... Oh well, I'm not going to worry about it and just enjoy it.

 

[Edit: I have just been tempted with an invitation to apply for a citi diamond preferred card.]


NO!!!!

 

(passes itch cream...)

 

 


lol, temptation resisted. Thank you. Although I did keep it since it doesn't expire until May 30th. This is around the same time as I will app for discover, so we'll see.



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
Community Leader
Valued Contributor
Posts: 2,398
Registered: ‎11-29-2012
0

Re: Garden Club Meeting - March 2013

I don't think I like gardening very much. I'm forced into it because no one else is going to extend credit to me right now. Boo.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 Goal Score:
 625 for now– New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Established Contributor
Posts: 597
Registered: ‎08-13-2011
0

Re: Garden Club Meeting - March 2013

Well its been 3 long months since I last apped,  Glad to have reached the silver spade level. One day at a time.

 

I have several inquiries that will age off in march and april. I have one paid collection that will fall off in september, and a paid charge off that will fall off in december.

 

Best wishes to everyone in there gardening endeavor!!!!

 

 





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 01/26/15 TU 732 Equifax693 Experian681
Equivalent lender pull 710
Goal Score: 700 across the board


Take the FICO Fitness Challenge
Established Contributor
Posts: 597
Registered: ‎08-13-2011
0

Re: Garden Club Meeting - March 2013

can anyone tell me how to make my silver spade show up?





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 673, Exp 664.,Eq 672 01/26/15 TU 732 Equifax693 Experian681
Equivalent lender pull 710
Goal Score: 700 across the board


Take the FICO Fitness Challenge
Frequent Contributor
Posts: 330
Registered: ‎01-16-2013
0

Re: Garden Club Meeting - March 2013


traveler2005 wrote:

can anyone tell me how to make my silver spade show up?


Copy that line of code from the bottom of your sig, and paste it in the first line of your sig.


Starting Scores: myFICO EQ: 678, myFICO TU: 676, myFICO EX: 678 (01/2013)
Latest Scores: myFICO EQ: 702, myFICO TU: 699, myFICO EX: 787
My Wallet: Chase Freedom, Discover It, NFCU cashRewards, Capital One Quicksilver, Chase Amazon Rewards
Gardening since 02/19/13

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 based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.