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Community Leader
Senior Contributor
Posts: 26,876
Registered: ‎02-07-2013
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Re: Garden Club Meeting - May 2013


JustJen wrote:

myjourney wrote:

 

Stay strong and as far as scores there is no way to judge a fako vs fico score 

I would say the 100 pt difference is not real and you probably didn't lose as much as displayed through any fako i.e ....CS, CK etc etc 

Hope your walmart score gives up a better insight (real fico)


Sorry...guess I should have said those were both FICO scores; EQ from myFico and EX from AMEX.


Hi JustJen

That is interesting my EQ score for some reason has always been lower than the other 2 agencies throught history, can't explain that either:smileysad:

Is it possible that your last app pulled EQ? If not I would get a copy of EQ just to be safe there's nothing else going on with that report...Just to be safe 



+ Chase Ink =

Regular Contributor
Posts: 203
Registered: ‎07-27-2012
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Re: Garden Club Meeting - May 2013

[ Edited ]

Wow. I work in the business/hr department at my firm. We mail out checks for our business cards. We mailed them on the 18th, they arrived on the 24th. 

 

They were due on the 23rd. We were hit with $35 late fees + an additional $1.xx charge for each CC. That's around 40 cards. 

 

:smileysurprised:

 

Shocking. Luckily we're financially well off, but what about for businesses that aren't? What about for regular people?

 

I'm glad I'm in the garden and learning so much about how to properly use CCs.

Current Cards: AMEX Everyday ($10k), AMEX BCE ($10.2k), Arrival ($7.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($5k)

1/15 - 792 Fico EX (AMEX) - In garden indefinitely.
Valued Member
Posts: 70
Registered: ‎12-13-2012
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Re: Garden Club Meeting - May 2013

Bummed. Heard back from Sallie Mae and they informed me that they ~only report the truth~ and that 90 day late from 2011 is going to REMAIN, LADY. My kid's being a terror. I need distraction ;--;


Started: 581 (October 2012 ) ♥ Walmart MyFico: 622 (May 2013)
First Goal: 650 (reached April 2013) ♥ Current Goal: 700 (Jan 2014)
Currently in the garden! App free 'till November 2013! :smileyvery-happy:


Contributor
Posts: 365
Registered: ‎02-25-2013
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Re: Garden Club Meeting - May 2013

errrr how can EQ change a report from a paid chargeoff/collection 2006 to 11/2012 derogatory... this is what my bank was talking about a derog in the past 6 mths prevented me from getting a CC thru them about a month ago... THX EQ for stickin the shovel you know where..

Starting Score:567Walmart TU 701, Credit Sesame 722, credit secure 701 credit karma 694Last Score: 689 TU/Walmart CK 645 Goal Score:800 CLUB
Last HP:2/2015 Util:9% CL:82KTake the myFICO Fitness Challenge
Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
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Re: Garden Club Meeting - May 2013

Still here, but sad: They don't sell Shiner Bock in New York. :smileysad:


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Contributor
Posts: 365
Registered: ‎02-25-2013
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Re: Garden Club Meeting - May 2013

what!!! no shiner bock!! 

Starting Score:567Walmart TU 701, Credit Sesame 722, credit secure 701 credit karma 694Last Score: 689 TU/Walmart CK 645 Goal Score:800 CLUB
Last HP:2/2015 Util:9% CL:82KTake the myFICO Fitness Challenge
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Garden Club Meeting - May 2013

[ Edited ]

Hands firmly in the soil...

:smileyhappy:

 

#GardenStrong




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
Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008
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Re: Garden Club Meeting - May 2013


mcf wrote:

what!!! no shiner bock!! 


Very sad, I tell ya!

 

I won't be depressed-apping, though.

 


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Frequent Contributor
Posts: 373
Registered: ‎03-16-2011
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Re: Garden Club Meeting - May 2013


memorysketch wrote:

Bummed. Heard back from Sallie Mae and they informed me that they ~only report the truth~ and that 90 day late from 2011 is going to REMAIN, LADY. My kid's being a terror. I need distraction ;--;

 

you are not alone i got the same result from the advocate, she said she reviewed it and cant find anything wrong and they dont do gw removals


Amx BCE-12000,Amx Zync-NSPL
Barclay's Mastercard-5600
Credit Union Visa-1200
Discover-4900, Khols-1000
Frequent Contributor
Posts: 324
Registered: ‎04-12-2013
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Re: Garden Club Meeting - May 2013

My first entry to garden club. More than 15 days without any HP.
Applied last time for capital one newcomer card and got approved after manual review.
Now hope to sit in garden for 3 months before contacting Chase and Capone for limit increases.
Current cards
PNC Secured- 2000
Chase - 500
CapOne - 500

Hopefully I would not require manual application review in 6 months.


PNC Secured 2000 (Dec12), Chase Amazon 2000 (Apr13), CapOne Newcomer 2500 (May13), Citi dividend 3000 (May13), Discover IT 1000 (Jul13), Amex BCP 6000 (Jul13), Chase Southwest 10000 (Jul13), Chase Marriott 12000 (Oct 13), BofA Travel Rewards 5000 (Dec13)

- In garden till Dec 2014
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