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Garden Club Meeting - May 2013

Valued Contributor

Re: Garden Club Meeting - May 2013

Message 861 of 2,553
Valued Member

Re: Garden Club Meeting - May 2013

Got a new TL with USAA 4/30. Gonna be gardening to let old inqs fall and hopefully watch my score go up to at least 650 by 6/1/14. ~12.5 more months in the garden; this is going to be tough!
My current arsenal:
Amex PRG NPSL | NFCU Cash VS $22k | NFCU Flagship VS $22k | NFCU CLOC $15k | Cap1 QS WMC $13.5k | USAA Preferred Cash VS $6k | Citi AA WEMC $4.5k | Discover It $1.7k | BofA 1-2-3 $800 | Target $800
Message 862 of 2,553
Regular Contributor

Re: Garden Club Meeting - May 2013

Yesterday marked my last HP for a spell, refi'ed my car for 3 percent less.

 

Alas, since the cards show no love, I am relegating myself to gardening until I go over 700. Of course I wonder at this stage if that will ever happen. One settled baddie, two who 1099ed me but insist on reporting the entire balance due. Paying down high ute.

 

I may be wearing these wellies a long time...anyone have baby powder? Smiley Frustrated

Starting FICO, June 2010: EX-581, EQ-581, TU-581
Now: EX-742 EQ-710 TU-709

Currently: NFCU Platinum Visa 18K, BECU Visa 15K, Navchek 15K, Vystar+ CU Platinum Visa 10000, AMEX Delta SkyMiles 9K, Military Star 8200, Nordstrom VS 7800, Macys 7600, Lowes 6K, Pier 1 6K, Mohawk Floor 4500, TJX Mastercard 4K, Pottery Barn 4K, Amazon 3600, Talbots 3000, Barclaycard 2400, Ann Taylor 2280, Ballard Design, 1500, Victorias Secret 750, NY&CO 500, J.Crew 300



Message 863 of 2,553
Highlighted
Frequent Contributor

Re: Garden Club Meeting - May 2013

I'm fighting the app urg ugh. 2 weeks awat from 60 days but seriously just need to focus on paying down cc. Ugh ill stay strong.
Cards: CSP $5k, Capital One Cash Rewards VS $3100, Discover it $3k Capital One MasterCard $600, Orchard Bank $3k, Barclays Rewards MC $1250 Gapcard $900, BR $300, Neiman Marcus $1k, Macys $1200 Walmart $500
In the garden until I can get a BCP

Starting Score: 534
Current Score: 682 EQ SW 660 TU 636 EX 3/26/13
Goal Score: 720


Take the myFICO Fitness Challenge
Message 864 of 2,553
New Contributor

Re: Garden Club Meeting - May 2013

Wow. I just spent like 20 minutes last night talking about credit cards and the importance of not spending more then you can afford on a card because it will come back to bite you in the ass with my dad, who is in cc debt like crazy and has told me and my four siblings over and over again not to make the same mistakes he has made these last ten years re: credit debt because he doesn't want to see us struggling like he is.

 

Knowledge is power. I'm realizing that the more time I spent on these forums and the more time I talk to people about finances.

 



Starting Score: MyFico EQ 694 (3/2013)
Current Score: MyFico EQ 707 (4/1/2013), EX 734 (4/12/2013 - AMEX pull)
Goal Score: 740+, gardening since: 5/17/13



Message 865 of 2,553
Regular Contributor

Re: Garden Club Meeting - May 2013



JustJen wrote:

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 eitherSmiley Sad

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 


Second to last app pulled EQ, once the last new account showed up is when it really dropped. My EQ does have the most inquiries overall, but only 2 this year (1 from CU and 1 for new account). I don't know! I've got score watch though so I don't think anything derogatory has shown up for some reason, and actually earlier this year the last negative thing on my reports fell off of all of them. No lates since probably 2008 or 2009.

Message 866 of 2,553
Established Contributor

Re: Garden Club Meeting - May 2013

Holding strong here, i did get a $400 bump up on my Gordman's card, so that has soothed the itch a little bit

NFCU CashRewards $13.5k | AMEX BCE $15k | Lowes $17k | Sportsmanss guide $7.6k | Chase Freedom $1k | Discover IT $4.4k |
Walmart $8k | Gordman's $2950
Message 867 of 2,553
Moderator Emeritus

Re: Garden Club Meeting - May 2013


myjourney wrote:

 

I noticed today I didn't see one post from an Emergency Response Unit team member (09Lexie)

Who is stricken with a cold and in bed

Virtual get well card please sign

 

 

 

Signed 

Myjourney


I hope you're feeling better soon... we miss you!


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 868 of 2,553
Moderator Emeritus

Re: Garden Club Meeting - May 2013

Work has been busy this week!!! I'm finally seeing some light at the end of the tunnel with a project I'm working on, and things are progressing well, so this is a good thing. I'm done for today, so I'd love to settle back with a glass of red rose wine.

 

I got my CreditSeame update today, and my EX went up a whole point, LOL!!! I know it's a FAKO, but since we can't get our EX FICOs on demand I'm happy for anything that gives me an indication of how I'm doing. And I'll take the point -- progress is progress, after all.

 

Still enjoying the wonderful, peaceful feel of the garden...


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 869 of 2,553
Moderator Emerita

Re: Garden Club Meeting - May 2013

I'm baaaaccckkk! Feeling a lot better and I missed you guys!

Thank you for all the good wishes, ESP from myjourney, LS, parakleet, memorysketch, phillyguy12 and tinuviel .,

Looks like I have a lot of catching up to do and so proud of all who are continuing with their gardening goals/ reached their milestones!
Message 870 of 2,553