Reply
Established Contributor
thankfulheart
Posts: 618
Registered: ‎09-26-2011

Re: Garden Club Meeting - November 2012

Still sitting in the garden, but at least it's in my new house!  I knew I would be facing some expenses, but sheesh, this is getting bad.  I've maxed out my Lowe's card and my scores are reflecting it with a nosedive.  I am ready for the dust to settle on getting all my deposits back and cards/statements in hand (new address) so I can get crackin' paying some of this back down and watching my scores grow again.  Although, TU on USAA right now is in the 9000s (yep 9000) and there is no data to show at all for 2 days now, so something must be wrong with their system.

Starting Score: 10/1/2011 EQ 568 TU 593
Current Score: EQ 664 TU 700 EX 701 (FAKO)

Contributor
jrodzmc09
Posts: 81
Registered: ‎07-02-2012

Re: Garden Club Meeting - November 2012

[ Edited ]

1 month and 3 days app free! :smileyvery-happy: Keep it coming!

USAA PLATINUM MC: $9.5k | CHASE SAPPHIRE PREFERRED: $5k | NFCU FLAGSHIP REWARDS: $5k | USAA VFW REWARDS: $4k | BARCLAYS FINANCING VISA: $2.3k | CHASE AMAZON REWARDS: $2k | DISCOVER IT: $1k | AMEX BCP: $1K | PAYPAL SC: $1.3k | MACYS: $1.2k | EXPRESS: $600 | NFCU LOC: $2.5k | NFCU AUTO LOAN: $21k
Valued Contributor
creditnocash
Posts: 2,164
Registered: ‎07-23-2012

Re: Garden Club Meeting - November 2012

Yeah i know it's not bad and would still be reporting less then 9%. Only card I want is the true earnings Amex. Other then that I'm good. I won't be going for that until at least jan or greater.
Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Member
MrAnonymous
Posts: 36
Registered: ‎05-31-2012

Re: Garden Club Meeting - November 2012

[ Edited ]

I stepped out of the garden last month to open a NFCU checking/savings account and got their Cash Rewards Signature Card.

 

I'm in the garden for good until mortgage time comes around mid to late next year.

Established Contributor
shakalaka
Posts: 546
Registered: ‎09-10-2012

Re: Garden Club Meeting - November 2012

Today I am officially 1 months app free :smileyvery-happy: and no itching at all ... so far at least

 


Amex Platinum (NPSL) | Amex BCE (25,000) | Chase Sapphire Preferred (17,400) | Discover IT (11,200) | Chase Freedom (4,800) | Walmart (4,500) | CapOne (1,500) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 754 (1/18) EQ 731 (1/26) EX 748 (12/5)

Frequent Contributor
tonyaether
Posts: 341
Registered: ‎06-04-2011

Re: Garden Club Meeting - November 2012

Checking in this week. One day shy of 200 days in the garden. No itch or anything just a little bored playing in the dirt. It comes and goes. I am still firmly planted here though until at least January but hopefully April.

Current Scores: 08/2013 EQ - 779(FICO), TU98 - 783(FICO ), TU08-818(Walmart FICO),EX PLUS-775 (FAKO) Credit Sesame - 804 (FAKO)
Wallet: Barclays Plat. Rewards MC $8.9k,Amex BCP $9.1k, CitiForward Signature $11k, Chase Freedom $3k,Target Visa $1.5k, Walmart Discover 7.5k, Delta Gold Skymiles Amex $2k
GOAL: 800 ACROSS THE BOARD!!!!
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Garden Club Meeting - November 2012

8 more days until I get the bronze spade.... 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!



Take the myFICO Fitness Challenge
Contributor
qtcbcute
Posts: 97
Registered: ‎06-28-2008

Re: Garden Club Meeting - November 2012

In the garden...again...since 10/22/12 and I plan to be here for a while! I have my new Chase Freedom with a CL of $6000 and my new Discover with a CL of $6000. Let me get a cocktail and a snack and get comfortable!



Starting Score: ?
Current Score: ?
Goal Score: 720


Take the myFICO Fitness Challenge
New Member
SpiritOf76
Posts: 9
Registered: ‎11-04-2012

Re: Garden Club Meeting - November 2012

[ Edited ]

I just applied for Kohls charge today (approved for $300) and applied for Target RedCard (approved, but not sure how much due to computer shut down while app was processing. Then hubby comes home complaing about toothache, so then I had to apply for CareCredit and requested $2000 and got approved (I should have requested $3000...oh well, maybe I'll get a CLI down the road...$2000 should be enough to cover possible root canal for now...I hope). I was going to apply to local credit union, but since they do a HP to approve membership, I think I'll wait 3-6 months before applying for membership and their Visa. So with 3 apps and 3 approvals today, and $500 CLI on Cap1 Platinum yesterday (SP I believe), I'm in the garden for next 3-6 months.

In the Garden until May 2013

Starting Score: FICO: EQ 679 (11/12), TU 696 (11/12); FAKO: EQ 599 (3/11), TU 634 (5/10), EX 619 (5/10)
Current Score: FICO: EQ 691 (11/12), TU 716 (11/12); FAKO: EQ 640 (11/12), TU 659 (11/12), EX 659 (11/12)
Goal Score: 700+
Valued Contributor
Duncanrr
Posts: 2,825
Registered: ‎06-08-2012

Re: Garden Club Meeting - November 2012

casually sneaks back in the garden.

 

(In the garden for 10 hours!  No more apps till refi as I'm sticking to my plan.  Thanks NFCU for being as insane with credit as I am :smileyhappy:  I think their computer must had been drapping when it approved me)



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 688 TU 727 EX 704 CK 696 (FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+