Well, here I am. In the garden.
Apped last on 4/12/12.
I have the cards in my sig, 5 of which were opened in the last couple of months. I opened 3 for BT's (Citi Dia Pref, Discover, FNBO), since my primary objective is to pay off my CC debts. I am focused on debt reduction, and hope to be CC debt free in 2-3 years. DH has a list of cards as well. As a couple, we are in "phase 1" of our debt reduction plan.
I need to garden to age the new cards, pay down the 0% cards while they are under their promo periods, and allow my FICOs to recover from the new accounts and inqs. Within the next 30 days my FICO should hit the lowest point that it will hit from all the recent activity, and I look forward to watching it climb higher and higher from the chaise lounge here in the garden. 
Starting Score: 693 TU FICO, 679 EQ FICO 
well I have been reading for a year and used all the info and knowledge from members to raise my score just about 100 points.
Removed collections accounts
3 medical (PFD)
1 late on cap one (GW)
and now only left with my cap one charge off
I currently have
Capitol one secured balance 580- limit 651
Capitol one platinum balance 420- limit 500
credit one balance 291- limit 400
1st premier bank balance 280- limit 300
orchard bank balance 220 limit 300
Kay balance 0- limit 250
jarred balance 0- limit 250
my last inq was 4/30/12
hard pull for a denied CLI from orchard was told to many inq's
the plan garden untill June 2013 use the next 12 months to pay down my balances to ZERO and pay off the last 6K on my open toyota
i think with zero blance and current payments for 12 months i should be high 600's i want to break that 701 mark :]
my fiance was approved for $2500 to start with on NFCU 
was hoping for a higher limit, but I'm pleased that he was approved!
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
webhopper wrote:my fiance was approved for $2500 to start with on NFCU
Did you mean to post this on the NFCU Starting CL thread right above/below this one? While I'm happy for you and your fiance, I'm wondering if you meant to post this in a different thread.
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
tinuviel wrote:
webhopper wrote:my fiance was approved for $2500 to start with on NFCU
Did you mean to post this on the NFCU Starting CL thread right above/below this one?
Not really, this just means that my fiance is in the garden now too since he got approved
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
webhopper wrote:
tinuviel wrote:
webhopper wrote:my fiance was approved for $2500 to start with on NFCU
Did you mean to post this on the NFCU Starting CL thread right above/below this one?
Not really, this just means that my fiance is in the garden now too
Oh, ok... I thought it got confused with the other thread, LOL!!!
Congrats to your fiance and I hope that you both have a lovely stay in the garden.
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
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
