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Regular Contributor
Posts: 195
Registered: ‎08-01-2008
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Re: Garden Club Meeting - May 2012

Thanks Tinuviel! It did feel amazing :smileyvery-happy:. I'm proud of the hardwork and disclipine I put in and I'm ready to reap the rewards!

;Starting Score: Low 500s FICO Aug 2008
Current Score: EQ 668 EX 723 TU 723 (All FICO)
Goal Score: 720s Across the Board! Almost there!

Cap1 NHR ($1250), GE Rooms2Go ($4k), WalMart Discover ($3250), Barclay's Rewards MC ($2k), Amex BCE ($5K), Kohl's ($1K), Chase Freedom ($3K), Discover More ($1K)
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: Garden Club Meeting - May 2012

[ Edited ]

So I was counting inquiries... LOL...  13 on EQ, 18 on TU (All occuring between Sept 21, 2011 - March 20, 2011)

 

I have a long way to go...   The mortgage process started in Sept. So by March 2013 I'll be clean again (unless I go for an FHA Streamline Refi in July)...  Seems like such a long wait! 

 

How do you guys pass the time?

 

From EQ:

February 04, 2012 Discover  -  Tried for Discover Open Roads, Denied because I already had a Discover and they didnt want me to have two
January 20, 2012 Usaa Sb  - Tried for USAA MC, denied
January 19, 2012 Cbcinnovis  -  Mortgage
December 13, 2011 Cr Techinc  - Mortgage
November 07, 2011 Spiritbank  - Mortgage
October 28, 2011 Orcs  - Mortgage
October 25, 2011 Credco  - Mortgage
October 25, 2011 Csc Cs  - Mortgage
October 12, 2011 Cr Techinc  - Mortgage
October 11, 2011 Csc Cs  - Mortgage
September 22, 2011 Cbcinnovis  - Mortgage
September 21, 2011 Csc Cs  - Mortgage
September 21, 2011 Credco  - Mortgage

From TU:

March 20, 2012 Navy Fcu/Visa - NFCU Visa
March 16, 2012 Navy Fcu  - NFCU Auto Refinance
March 15, 2012 Navy Fcu  - NFCU Membership
February 04, 2012 Discover Financial Svcs  -  Tried for Discover Open Roads Declined
January 27, 2012 Transunionna/Umb  - Tried to get a gas card from my favorite gas station Declined
January 27, 2012 Gecrb/Amazon Pl  - Opened Amazon Store Card
January 27, 2012 Chase Bank Usa N.A.  - Opened Amazon.com Visa Card
December 13, 2011 Pmv,Llc-B5725/Credittech  - Mortgage
November 07, 2011 F.Mac/Spiritbank  - Mortgage
October 28, 2011 Spiritbankmo/Oldrepublic  - Mortgage
October 25, 2011 Ascenthomeloans/Credstar  - Mortgage
October 25, 2011 Bokf,Nadbaban/Csccrdtsvc  - Mortgage
October 12, 2011 Pmv,Llc-B5725/Credittech  - Mortgage
October 11, 2011 Bokf,Nadbaban/Csccrdtsvc  - Mortgage
September 22, 2011 224Pmv,Llc-B5/Cbcinnovis  - Mortgage
September 21, 2011 Bokf,Nadbaban/Csccrdtsvc  - Mortgage
September 21, 2011 Quickenloans/Quickenloan  - Mortgage


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Established Contributor
Posts: 825
Registered: ‎12-28-2011
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Re: Garden Club Meeting - May 2012

Been away from myFICO for awhile...just checking in! Nothing too exciting, this is my 4th month app free :smileyhappy: Will be requesting my 6 month CLI from Citi at the end of the month. Hopefully it will be approved!

Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: Garden Club Meeting - May 2012


dyv8914 wrote:

Been away from myFICO for awhile...just checking in! Nothing too exciting, this is my 4th month app free :smileyhappy: Will be requesting my 6 month CLI from Citi at the end of the month. Hopefully it will be approved!


Congrats! Im going on 2 months... feels great :smileyhappy:


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Valued Contributor
Posts: 2,179
Registered: ‎01-09-2012
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Re: Garden Club Meeting - May 2012

checking in wallet feeling full enough for now. no need for any more cards at this point maybe a discover down the road a year from now or so. no itch what so ever finaly!!!!  i do plan on keeoing my wallet cards for the long haul with hoping to get bigger CL's down the road. 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Regular Contributor
Posts: 132
Registered: ‎11-14-2011
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Re: Garden Club Meeting - May 2012

sup doodz, in the garden til November 28, 2012 -- gunning for Sapphire

 

collections? got 'em!!!!

 

delinquencies?? you betcha!!!

 

 


Starting Score: 653 (11/1/2011 TransUnion)
Current Score: 719 (5/3/2012 TransUnion) 572 (3/21/2012 Equifax) 762 (4/14/12 VantageScore)
Goal Score: 700


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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Garden Club Meeting - May 2012

1 Month 3 Weeks App Free!!!!!! :smileyhappy:

 

Getting it in and feeding my seedlings!!!




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
Frequent Contributor
Posts: 346
Registered: ‎02-01-2012
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Re: Garden Club Meeting - May 2012

[ Edited ]

LS2982 wrote:

1 Month 3 Weeks App Free!!!!!! :smileyhappy:

 

Getting it in and feeding my seedlings!!!



Very nice!

I can finally say Discover worked out their reporting issues and it posted. Now my Equifax FICO is 700 :smileyhappy:and Transunion is at 660 (They count my stundet loan balance as being a risk :smileysad: ) App free for 2 months and 20 days! 

Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
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Re: Garden Club Meeting - May 2012

Hey Gardeners!!!

I'm still here.  3 months app free today!! Can I make it another 3??



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Established Contributor
Posts: 662
Registered: ‎01-24-2008
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Re: Garden Club Meeting - May 2012


MsLadyRover wrote:

Hey Gardeners!!!

I'm still here.  3 months app free today!! Can I make it another 3??


Super congrats!

 



Start Score:493Current Score:635
Goal Score: 700>>>>>App free since (umm not saying...I struggle with this)
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