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Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Garden Club Meeting - May 2013

To reiterate:

 

Here are the rules for Garden Club Recognition:

 


Garden Club recognition levels: To qualify, your reports must contain:

    No new tradelines of any type on one's accounts (this includes backdated Amex accounts, as they are STILL new "seedlings").
    No HPs for anything that would allow for the possibility of a new tradeline being issued or increasing the CL of an existing tradeline.

 

 

Joining a CU would not result in either a new tradeline or a new credit account, so long as you didn't pick up any of the CU products... such as Visa or Personal Loan.  An auto refi would count against you because the refi would generate a new auto loan on your reports.


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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Senior Contributor
drkaje
Posts: 3,488
Registered: ‎07-25-2008
0

Re: Garden Club Meeting - May 2013

@webhopper,

 

What about student loans?


Starting Score: 675
Current Score: EX 754 FICO, EQ 737FICO
Goal Score: 776 FICO


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Regular Contributor
gijoe4500
Posts: 232
Registered: ‎05-12-2010
0

Re: Garden Club Meeting - May 2013

Left the garden yesterday, and had to start over.  My new seedling card (10K BCP) should be here by June 2.  The reasons for gardening were to buy a house this summer, but I won't have enough of a down payment.  So since the house is on hold, I figured I might as well get a BCP, so I can cancel my Zync.

Last Hard Pull 05/24/2013

Starting Score: MyFico TU: 621 EQ: 610
Current Score: AmEx EX: 700 Walmart TU: 711 EQ: 699
Goal Score: 700's baby! (made it 4/10/2013!)
New Goal: 740!!


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Moderator
09Lexie
Posts: 25,028
Registered: ‎09-13-2012
0

Re: Garden Club Meeting - May 2013

@webhopper

Thanks for clearing up the rule about CU. the question was asked a few weeks ago.
Moderator
09Lexie
Posts: 25,028
Registered: ‎09-13-2012
0

Re: Garden Club Meeting - May 2013

Moderator
09Lexie
Posts: 25,028
Registered: ‎09-13-2012
0

Re: Garden Club Meeting - May 2013

Moderator
09Lexie
Posts: 25,028
Registered: ‎09-13-2012
0

Re: Garden Club Meeting - May 2013

Moderator
09Lexie
Posts: 25,028
Registered: ‎09-13-2012
0

Re: Garden Club Meeting - May 2013

Moderator
09Lexie
Posts: 25,028
Registered: ‎09-13-2012
0

Re: Garden Club Meeting - May 2013

Valued Contributor
jamesdwi
Posts: 1,553
Registered: ‎09-16-2011
0

Re: Garden Club Meeting - May 2013

9 days in the garden,

 

just recv'd my AMEX Hilton Surpass card, read the letter disapointed my EX Fico is only 686 my EX fako is 723 from credit sesame its credit report is clean no INQ's for 5+ months and like 3 INQ's in the last year, hard to belive I got approved for my second AMEX revolver with only a 686 and they gave me the middle teir APR 17.24 I would of prefered the 15.24 that I have on my BCP but better than 19.24%. And they even gave me a $5,500 CL amazing. So all the people that start with a Charge card really do open the door for a revolver with a lower FICO score. 

 

Going to be gardening until at least my BCP and the new hilton report, a $7500 and a $5500 limit reporting should help future CL's if I decide to AP for Discover IT card,

the weekly invites to join with a 12.99 - 15.99% with 14 months of 0% APR. But I'm really wanted to have all my cards be reporting at least a year of age that will happen in december. 

 

 


Cards: Chase Southwest 20k & CSP 10k & Amtrak 4.6k, & Freedom 3.3k & Slate 3.3k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & AMEX Hilton Surpass 7.5k & AMEX Zync NPSL, Sams Club Discover 10k, Paypal Extras MC 6k, CapOne 2.5k, CapOne 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.

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