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Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
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Re: Garden Club Meeting - November 2012

[ Edited ]

Nice, asp123!
I brought my util down from 80% to about 30% last month and I am patiently waiting for the new balances to report.


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Valued Member
Posts: 47
Registered: ‎10-11-2012
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Re: Garden Club Meeting - November 2012

Epcot:  thank you!  

I am working on my util as well. This four point increase is the result of me paying off half of my lowest balance Credit card. I hope to have everything paid down by my birthday in July.   The gardening will help some as well!!!

Best wishes for you and your journey!Smiley Wink


Starting Score: 9/2012 - 609
Current Score: 11/9/2012 TU 620 11/9/2012 EQ 591
Goal Score: 700


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Regular Contributor
Posts: 198
Registered: ‎03-02-2012
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Re: Garden Club Meeting - November 2012

[ Edited ]

Gardening for next 6 months. Still waiting for n-rewards card to hit the credit reports. Hoping for a nice score boost.

 

 

Last App: November 7, 2012

Starting EQ Fico: 536 (3/12)
Current EQ Fico: 649 (9/13)-lender pull
TU Fico: 684 (8/13) 711-lender pull 9/13
EX Fico: 646 (8/13) 655-lender pull 9/13
Frequent Contributor
Posts: 273
Registered: ‎09-30-2012
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Re: Garden Club Meeting - November 2012

My last app was the 24th, then in today's mail I was approved for an Associated Bank Select Rewards Platinum with a $1000 CL. Guess I can cultivate on this one too!


Regular Contributor
Posts: 136
Registered: ‎07-09-2012
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Re: Garden Club Meeting - November 2012

I've been planning some airline travel, and have been itching to app for a few airline cards. Delta Skymiles and Alaska Airlines. It's tempting, but I haven't given in and I've alread paid and made my upcoming reservations so I think I'm clear now for a while. Also, I've been thinking about refi'ing my mortgage from 4.75% down to something like 3% now that I have an account and card with PenFed. Cash out of pocket now will pay off a long time in the future. I would want to refi to a 30 year mortgage rather than a 15 so I'm not locked into extra money out each month but can pay extra as I'm able. It's a tough decision, but I think refinancing would be worth stepping out of the garden for....... I hope it's not a slippery slope on the other side of that garden Smiley Wink


Starting Score (2015): EX: 748; EQ 737; TU 761
2014 Current Score: Discover FICO08 803 (1/15); EQ BE FICO 817 (1/15); PenFed FICO NextGen 799 (12/14)
Goal Score: All 775+ Available Credit: $100K+ Utilization: 10%
Gardening Since: Sept 2014
Frequent Contributor
Posts: 299
Registered: ‎05-28-2012
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Re: Garden Club Meeting - November 2012

Entering the garden. Date of last app: 10/16/12, but capital one pulled a hard on 10/25 after the rep was specifically asked and said no, it's a soft For a CLI. Arguing with them now to get it removed.

 

i would love to stay for two years or more...but it ain't happening Smiley Happy maybe 6 months once we get our mortgage crap straight. We were approved, then dh lost his job due to someone elses screw up, and found a new one. Pays less and I could've NOT told them..but I figured honesty was best!


Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660



Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: Garden Club Meeting - November 2012

I'm still in the garden Smiley Happy

Just a few more days til I get my spade back Smiley Happy

Happy gardening all!

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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Valued Contributor
Posts: 1,181
Registered: ‎03-22-2012
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Re: Garden Club Meeting - November 2012

Just checking in. I've been app free for 2 months with 10 months to go.



Starting Score: EQ 658 6/18/12
Current Score: EQ 705 6/21/15 - EX 783 6/21/15 - TU 707 6/21/15
Goal Score: EQ 720+
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Established Member
Posts: 17
Registered: ‎08-25-2012
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Re: Garden Club Meeting - November 2012

[ Edited ]

Ahhh the iPad mini!  

 

The perfect birthday present for junior! 

 

'Click here for credit application'

 

Must... resist...the...temptation.....

 

Resisted the urge.  Set up a payment to AMEX prepaid and will get product protection and essentially pay cash for it in two weeks.  Will still get the iPad mini almost 2 weeks before his birthday.  

 

God save the spade!


Starting Score: 608 (7/29/12 TU), 615 (7/29/12 EQ), EX ???
Current Score: 690 (12/29/12 TU), 650 (12/16/12 EQ)
Goal Score: 700+ by 7/2014


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Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: Garden Club Meeting - November 2012

Good choice Isanham Smiley Happy

I never really liked financing electronics on a credit card... seems like taking out a loan for frivolity.....

I would however charge a device to my amex and not feel bad because I know it will be paid in full.

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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