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Garden Club Meeting - May 2013

Moderator Emeritus

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!



Take the myFICO Fitness Challenge
Message 2061 of 2,553
Senior Contributor

Re: Garden Club Meeting - May 2013

@webhopper,

 

What about student loans?


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


Take the FICO Fitness Challenge
Message 2062 of 2,553
Highlighted
Regular Contributor

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.

Starting Score: MyFico TU: 621 EQ: 610
Current Score: Discover TU: 829 Discover EX: 827
Goal Score: 700's baby! (made it 4/10/2013!)
New Goal: 830!!
Message 2063 of 2,553
Moderator Emerita

Re: Garden Club Meeting - May 2013

@webhopper

Thanks for clearing up the rule about CU. the question was asked a few weeks ago.
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Moderator Emerita

Re: Garden Club Meeting - May 2013

Message 2065 of 2,553
Moderator Emerita

Re: Garden Club Meeting - May 2013

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Moderator Emerita

Re: Garden Club Meeting - May 2013

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Moderator Emerita

Re: Garden Club Meeting - May 2013

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Moderator Emerita

Re: Garden Club Meeting - May 2013

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Valued Contributor

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 & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 32.5k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 12.5k, Paypal Extras MC 8.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
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