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Garden Club Meeting - November 2012

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Regular Contributor

Re: Garden Club Meeting - November 2012


webhopper wrote:
I dated a guy that bought a 5k hdtv on his best buy account when it first came out. 2 years later he was still paying for the Tv and I was able to buy one for cash from a guy that needed funds fast for 500 bucks. His was a 52 inch mine was a 47 inch.

He carried an amex and made fun of me for carrying a discover card. The relationship didn't last Smiley Wink


Yeah, good choice! That is certainly poor financial judgement and poor use of credit.

Starting Score (2016): EX: 748; EQ 737; TU 761

2014 Current Score: Discover FICO08 797 (7/16); AMEX FICO 776 (8/16); PenFed FICO 766 (5/16).


Goal Score: All 800+ Available Credit: $100K+
Utilization:
23%

Gardening Since:
September 2016

Message 91 of 287
Contributor

Re: Garden Club Meeting - November 2012

Bought a new truck in Sept of this year and put a few purchases on credit time to make sizeable payments ahead and just let everything grow. Should have my last late payment drop off in January so my score should shoot up with the positive history. 

Current Scores 738 EQ (FICO 02/15) 745 EX (Lender Pull FICO) 768 TU (FICO 02/15)

4% Utilization on 180k Total Available Creditlines

AMEX Platinum - NPSL, AMEX HH - 2.5k, BofA Travel Rewards - 25K, BofA 123 Cash Rewards - 15K, BofA Amex - 15K, Barclay Black Card - 10K, Chase United Club - 9.6K, Chase Sapphire Preferred - 14k, Discover More - 7.5K, Citi Presitge - 20K, Nationwide Bank - 7.5K, Dillard's - 5K, JCP MasterCard - 12K, Capital One Venture - 3K, Capital One Quicksilver - 10k, Wells Fargo - 6K, Lowe's - 10K,
Message 92 of 287
Established Contributor

Re: Garden Club Meeting - November 2012

Hey All,

 

I've not been the best at gardening this year, but the small amount that I did helped me get new cards and finally meet my goal scores for 2012 - 720 on each by 12/31/12.  And two months early, besides. Smiley Happy

 

I will hit two months in the gard on 11/16, and plan to stay here for the forseeable future.  Possible mortgage app in 2013, so I have to behave.

 

As an aside, I'm having a love/hate relationship with Amex right now - hate that I've tried twice to get a CLI and gotten denied both times, but love the fact that I get an updated Experian score each time.  Who needs PSECU??? Smiley Tongue


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Message 93 of 287
Regular Contributor

Re: Garden Club Meeting - November 2012

Well, I WAS in the garden until something happened, I started feeling itchy all over..... I think it might have been the mini-quiches...I'm still not sure.... Anyway, I app'd and was approved over the phone on reconsideration for a $6,000 flexible spending line with the Chase Ink Bold charge card.

 

I think it was worth it...but I still feel a little itchy.

 

Back in the garden to cultivate my new seedling.

Starting Score (2016): EX: 748; EQ 737; TU 761

2014 Current Score: Discover FICO08 797 (7/16); AMEX FICO 776 (8/16); PenFed FICO 766 (5/16).


Goal Score: All 800+ Available Credit: $100K+
Utilization:
23%

Gardening Since:
September 2016

Message 94 of 287
Valued Contributor

Re: Garden Club Meeting - November 2012


DesertLife wrote:

Well, I WAS in the garden until something happened, I started feeling itchy all over..... I think it might have been the mini-quiches...I'm still not sure.... Anyway, I app'd and was approved over the phone on reconsideration for a $6,000 flexible spending line with the Chase Ink Bold charge card.

 

I think it was worth it...but I still feel a little itchy.

 

Back in the garden to cultivate my new seedling.


as i was reading your post i felt an itch but then i was looking at the date and i just said no. 

 

54 more days until jan 1. 

i can do it for you amex!

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 95 of 287
New Contributor

Re: Garden Club Meeting - November 2012

4 months 3 days strong in the garden. Everything is growing nicely. Window shopping right now for any spectacular sign-up bonuses, but I don't have any plans to step out unless something amazing appears. Still sippin on this delicioso bebida!

AMEX BCE $15,500 Citi Double Cash $8,700 USAA $6,000
Chase Freedom $2,500 Discover It $10,600
M & T Visa $2,500 CU Visa $10,000, BOAmericard $7,500
Message 96 of 287
Senior Contributor

Re: Garden Club Meeting - November 2012

Howdy, howdy boys and girls.

 

I'm still here...tomorrow is a silver spade!  Yay!



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 97 of 287
Frequent Contributor

Re: Garden Club Meeting - November 2012

Just checking in Fellow Gardeners!!!

 

A word of advice....... SP CLI's from GECRB have been the best anti-itch cream for those app bugs!!!!!!!



Starting Score: EQ 447 (01/02/2017), TU 476 (01/02/2017), EX 456 (01/02/2017)
Current Score: ALL FICO's as of 03/12/2017: EQ 454, TU 483, EX 440
Goal Score: ABOVE 680 ALL 3
Current Cards: NONE!!! App Free since 12/30/2016 and NOT APPING until 10/2017....
Message 98 of 287
Contributor

Re: Garden Club Meeting - November 2012

I've been so bad.  After just two months, I left the garden and picked up an Amazon store card for it to grow the next 8 months.   And then siren song of Chase United's 50k bonus miles for was too great.   Chase denied me on that because I picked up my first two Chase cards in August and they werent quite ready to give me another card just yet.  But in recon I explained my reasons and they allowed me to move a majority of my credit limit from Chase Amazon to United (better interest rate also) .   I was pleasantly surprised with Chase.  So I'm happy and my streak is still going. 

 

Those two cards were the "I wish I would have's" that lingered from my rather large August App Spree. So I honestly think I a set at this point, I'm going to work on growing these cards. 

Zync NPSL, BCP ($2000), Chase United ($2000) Chase Amazon ($1500), Chase Freedom ($3000), Discover More ($2000), Paypal Extras ($5000), Citi Forward ($2000), Orchard $2000, Amazon ($5000)
Pre-App Scores: TU98 779, TU04 797, EQ 682, EX 788 (Amex) 8/12
Message 99 of 287
Moderator Emeritus

Re: Garden Club Meeting - November 2012

Still in the garden.  5 days until bronze spade!

 

Good news to report...  my dispute of the judgment on my EX report finally worked, and I'm proud to say that my credit report no longer contains any public records!!  Whoo hoo!

 

The backstory is that the judgment was dismissed by the court after I settled it.... I found this out earlier this year, and have been fighting to get it removed from all three.


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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Message 100 of 287