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Garden Club Meeting - March 2013

Valued Contributor

Re: Garden Club Meeting - March 2013

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
Message 61 of 1,535
Contributor

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 Smiley Happy  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. 

Message 62 of 1,535
Mega Contributor

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...)

 

 




EQ FICO 548 3/3/16
Message 63 of 1,535
Regular Contributor

Re: Garden Club Meeting - March 2013

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 ($15k), AMEX BCE ($20k), Amex Platinum, Arrival ($11.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($6.5k)

2/16 - 864 Fico EQ (CITI); 818 Fico Ex (AMEX)
Message 64 of 1,535
Valued Member

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
Message 65 of 1,535
Valued Contributor

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
Message 66 of 1,535
Valued Contributor

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 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)
Message 67 of 1,535
Established Contributor

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 04/17/2015 TU 741 Equifax 682 Experian 678

Goal Score: 700 across the board


Take the FICO Fitness Challenge

Last HP 6/10/2015
Message 68 of 1,535
Established Contributor

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 04/17/2015 TU 741 Equifax 682 Experian 678

Goal Score: 700 across the board


Take the FICO Fitness Challenge

Last HP 6/10/2015
Message 69 of 1,535
Frequent Contributor

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: 789, myFICO TU: 782, myFICO EX: 788
My Wallet: American Express BCE, NFCU cashRewards, Capital One Quicksilver, Discover It, Chase Freedom, Chase Amazon Rewards
Gardening since 02/07/17
Message 70 of 1,535