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Regular Contributor
Unique620
Posts: 233
Registered: ‎10-03-2009
0

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 Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

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:

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
New Contributor
MYBEST
Posts: 72
Registered: ‎08-18-2010
0

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: 650 | TU Current Score: 643 | EX Current Score: 643
EQ Goal Score: 700 | TU Goal Score: 700 | EX Goal Score: 700
***Staying*** " with prayer that is " with in the garden and no (more) applying until mid-end of 2015!



Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

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: 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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Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

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.

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
New Contributor
MYBEST
Posts: 72
Registered: ‎08-18-2010
0

Re: Garden Club Meeting - November 2012

Thank you Tinuviel :smileyhappy:
EQ Starting Score: 584 | TU Starting Score: 547
EQ Current Score: 650 | TU Current Score: 643 | EX Current Score: 643
EQ Goal Score: 700 | TU Goal Score: 700 | EX Goal Score: 700
***Staying*** " with prayer that is " with in the garden and no (more) applying until mid-end of 2015!



Frequent Contributor
shols44
Posts: 397
Registered: ‎11-03-2012
0

Re: Garden Club Meeting - November 2012

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


Starting Score: 501
Current Score: 706 EQ,TU 689,EX 686
Goal Score: 720

Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

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: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
Ravensfan2001
Posts: 556
Registered: ‎11-10-2012
0

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 Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Mortgage Scores:(7/24/13 lender pull) TU 663 | EX 635 | EQ 649
Current Score (9/22/14): TU 670 | EX 605 | EQ 659
Goals: 680 across the board by 3/2015. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13***
Established Contributor
SevenNEW
Posts: 522
Registered: ‎08-24-2011
0

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, Garden Nerd - In the Garden until 2015!
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