Reply
Regular Contributor
Unique620
Posts: 233
Registered: ‎10-03-2009

Re: Garden Club Meeting - November 2012

I'm with you creditnocash! I will get mines a few days after you :smileyhappy:
Filed BK 04/2011|BK Discharged 08/2011|Hard Pull I 12/05/2012 |


Starting Score: EQ 523 03/2012
Current Score: EQ 649 I TU 655 (02/2013) EX 672(01/2013)
Goal Score: 700 on all CR's 04/2013
Moderator
tinuviel
Posts: 3,900
Registered: ‎11-02-2010

Re: Garden Club Meeting - November 2012


priceless07 wrote:
I'm with you creditnocash! I will get mines a few days after you :smileyhappy:

 

Mine's going to turn silver on Saturday... almost there!!! :smileyvery-happy:

 



Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores

Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
New Contributor
MYBEST
Posts: 52
Registered: ‎08-18-2010

Re: Garden Club Meeting - November 2012

Anyone here have a Platinum or Diamond spade? I would love to see what they look like :smileyhappy:


EQ Starting Score: 584 | TU Starting Score: 547
EQ Current Score: 622 | TU Current Score: 640 | EX Current Score: 643
EQ Goal Score: 700 | TU Goal Score: 700 | EX Goal Score: 700
*Staying* in the garden and no (more) applying until mid-end of 2013!



Moderator
webhopper
Posts: 6,815
Registered: ‎09-16-2011

Re: Garden Club Meeting - November 2012

I'm still in the garden! Itching hard for PRG. I will apply for it at the first of the year for backdating goodness. Otherwise, still gardening!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Moderator
tinuviel
Posts: 3,900
Registered: ‎11-02-2010

Re: Garden Club Meeting - November 2012


MYBEST wrote:

Anyone here have a Platinum or Diamond spade? I would love to see what they look like :smileyhappy:


 

I think one or two members do, but I can't remember who at the moment. But, if you want to see what they look like, go to the opening post of this thread and click on the link for each graphic.

 



Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores

Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
New Contributor
MYBEST
Posts: 52
Registered: ‎08-18-2010

Re: Garden Club Meeting - November 2012

Thank you Tinuviel :smileyhappy:

EQ Starting Score: 584 | TU Starting Score: 547
EQ Current Score: 622 | TU Current Score: 640 | EX Current Score: 643
EQ Goal Score: 700 | TU Goal Score: 700 | EX Goal Score: 700
*Staying* in the garden and no (more) applying until mid-end of 2013!



Regular Contributor
shols44
Posts: 173
Registered: ‎11-03-2012

Re: Garden Club Meeting - November 2012

2 Preapproved Barclays rewards MC in the mail this month....serious App Itch....


Starting Score: 501
Current Score: 694 EQ Fico 4/5
Goal Score: 700

Take the myFICO Fitness Challenge
Valued Contributor
creditnocash
Posts: 1,922
Registered: ‎07-23-2012

Re: Garden Club Meeting - November 2012

[ Edited ]

webhopper wrote:
I'm still in the garden! Itching hard for PRG. I will apply for it at the first of the year for backdating goodness. Otherwise, still gardening!

hmm if denied that would theorettically mean you are still in the garden since it wasnt a hard pull.... 

hence why im only apping amex from now until my inquries age. 

 

aug 30th isnt that far away......

or dare i say aug 30th of 2015. 

 

edit: p.s. got a pre approval from cabelas for a 5k card. 

funny since i got denied by them last feb for not enough revolving credit. 

 

 

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: $21,600

Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
Frequent Contributor
Ravensfan2001
Posts: 305
Registered: ‎11-10-2012

Re: Garden Club Meeting - November 2012

Hi everyone. I'm new to the myfico.com forum and this is my first day here in the garden. I started my rebuilding journey in May 2012 with a secured Capital One card. Then I kinda went crazy recently after getting approved for a Target card. I've opened 7 new accounts this month alone, and am still waiting for some answers for a few more cards. It gets addicting when you have bad credit, but are getting approved for cards left and right! So my AAoA is probably down to 2 months (???). I think it's time to settle down. I have all I need for now. Next goal - mortgage.

 

Thanks for having me here. Good luck to everyone. :womanhappy:

Starting Score (4/16/12 lender pull): TU 596 | EX 550 | EQ 576
Current Score (5/7/13): TU (WM) 650 | EX (CC app 2/21) 620 | EQ(SW) 673
Goals: 680+ mid-score by 05/2014. App free since 2/22/13
Frequent Contributor
SevenNEW
Posts: 355
Registered: ‎08-24-2011

Re: Garden Club Meeting - November 2012


Ravensfan2001 wrote:

Hi everyone. I'm new to the myfico.com forum and this is my first day here in the garden. I started my rebuilding journey in May 2012 with a secured Capital One card. Then I kinda went crazy recently after getting approved for a Target card. I've opened 7 new accounts this month alone, and am still waiting for some answers for a few more cards. It gets addicting when you have bad credit, but are getting approved for cards left and right! So my AAoA is probably down to 2 months (???). I think it's time to settle down. I have all I need for now. Next goal - mortgage.

 

Thanks for having me here. Good luck to everyone. :womanhappy:


Welcome, Ravensfan! Yes, definitely time to settle. You want your seedlings to grow and bear fruit. You should wait one year before approaching mortgage, so your inquiries will fall and the accounts will not be as new.

SevenNEW, Zen Gardener - "Think about it, the garden is better than the Orchard!!"
In the Garden until Sep 2013!

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.
www.myfico.com is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+