Garden Club Meeting - May 2013

[tcbofade]

Goooooooood morning boys and girls.

DW up another 12 Fako points...  696.

Two inquiries will fall off in three days...  700????

[myjourney]

Happy Gardening To All

149 days into my commitment and staying strong...wooo hooo

I am amazed at the size of the garden and how large it has grown for a single thread and it seems to grow even larger month by month...wow

It just means the word is out that in order to succeed everyone at some point must kick up their heals and tend to those seedlings.

For all those that are staying strong to the commitment they made for themselves...BRAVO

And for those that may have stumbled a little it's ok and we all have been there before.

That's the wonderful part of the garden its a place you can always come back to and they welcome you with open arms to

re-start the clock on your new commitment. Is that classy or what?  

[09Lexie]

@myjourney

You are breezing right through your commitment! A few more days left before you hit June 1st!

Yes, I agree the garden has grown and you are a big part of why!

To my fellow Gardeners that choose to leave you are always welcomed back!

Happy Hump Day!

[09Lexie]

@tcbofade

I'm telling you, 700+. I can see it like a banner!

[09Lexie]

@rtw

Still going strong!

[myjourney]

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@09Lexie wrote:
@myjourney

You are breezing right through your commitment! A few more days left before you hit June 1st!

Yes, I agree the garden has grown and you are a big part of why! Awwh how sweet but i'm just passing forward what you,tinuviel and others did for me. You welcomed me and showed me I needed a plan and once I came up with one to firmly stick to it

To my fellow Gardeners that choose to leave you are always welcomed back!

Happy Hump Day!

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[DesertLife]

4 Months in the garden as of today. I earned my silver spade last month, but hadn't been paying attention.

After app'ing for so many cards over the past year, I my credit has not been improving as I'd like it to. It's been taking little dips and jumps, but hovering around the same small range. If I can just stay in the garden long enough to let the inquiries fall off, and allow these trade lines to mature I'll be sitting pretty.

I have 4 inquiries sitting on my TU reports, the last one dropped off April 26. 

I have 7 on EX:

Bank of America	26 Jan 2013	credit cards
CBNA	26 Jan 2013	credit cards
CREDCO	09 Dec 2012	Mortgage
Chase Bank	06 Nov 2012	credit cards
Amex	09 Jul 2012	credit cards
CREDCO	12 Jul 2011	Mortgage
CREDCO	03 Jun 2011	Mortgage

My one and only negative account on EX with 30/60/90/120 delinquency will be gone Feb. 2014. That should really help my credit. I've thought about disputing it again (I've done this a few times) and it is still there. I figure since it's relatively close, I already purchased a home, and I have plenty of credit, that it's not harming me that much except holding my score back a little. So, I think I can wait for it to fall off.

[myjourney]

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@DesertLife wrote:

4 Months in the garden as of today. I earned my silver spade last month, but hadn't been paying attention.

After app'ing for so many cards over the past year, I my credit has not been improving as I'd like it to. It's been taking little dips and jumps, but hovering around the same small range. If I can just stay in the garden long enough to let the inquiries fall off, and allow these trade lines to mature I'll be sitting pretty.

I have 4 inquiries sitting on my TU reports, the last one dropped off April 26. 

I have 7 on EX:

Bank of America	26 Jan 2013	credit cards
CBNA	26 Jan 2013	credit cards
CREDCO	09 Dec 2012	Mortgage
Chase Bank	06 Nov 2012	credit cards
Amex	09 Jul 2012	credit cards
CREDCO	12 Jul 2011	Mortgage
CREDCO	03 Jun 2011	Mortgage

My one and only negative account on EX with 30/60/90/120 delinquency will be gone Feb. 2014. That should really help my credit. I've thought about disputing it again (I've done this a few times) and it is still there. I figure since it's relatively close, I already purchased a home, and I have plenty of credit, that it's not harming me that much except holding my score back a little. So, I think I can wait for it to fall off.

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Congrats on the sliver and staying true to your commitment 

Sounds like your doing a wonderful job keep up the good work

[ElCamino]

Gardening is hard work... There are still so many cards I'd love to get!

[myjourney]

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@ElCamino wrote:

Gardening is hard work... There are still so many cards I'd love to get!

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Hard work but the payoff is hugh

So keep up the good work you can do it