Garden Club Meeting - May 2013

[dddewdrop]

Nice!

[6speed]

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!

[silverzgirl]

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?

[sarkell]

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.

[annebythesea]

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.

[JustJen]

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@JustJen wrote:

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

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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

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 

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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.

[tattooedhusker]

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

[tinuviel]

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@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

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

[tinuviel]

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...

[09Lexie]

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!