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Established Contributor
Posts: 578
Registered: ‎11-10-2012
0

Re: Garden Club Meeting - November 2012


SevenNEW wrote:

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. Woman Happy


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.


Thank you! That is the plan. And I carry my anti-itch cream in my purse for that itchy trigger finger. Woman Wink


Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Current Score (9/3/15): Wally TU 639 | Amex EX 628 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 8/1/15. TU-5; EX-16; EQ-13. Aiming for ZERO inqs.
Established Contributor
Posts: 515
Registered: ‎09-27-2008
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Re: Garden Club Meeting - November 2012

I have officially gotten my bronze spade and it feels good.  Onward and upward!  I'm enjoying gardening. The forum has been a model in showing how gardening is helpful. Thank you 




Starting Score: EQ 586, TU 527, EX 532 (April 11, 2012)
Current Score: EQ 677(11), TU 701(17), EX 688(40) FICO8(updated 4/2/2016)- Last app Mar 17, 2016
Goal Score: 800 across all 3 * No apps minimum until July 2016 * Consolidate, trim and grow limits
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Valued Member
Posts: 39
Registered: ‎06-27-2012
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Re: Garden Club Meeting - November 2012

Gardening until Aug 2013!!!




Starting Score: 565
Current Score: 660
Goal Score: 780

Valued Contributor
Posts: 2,118
Registered: ‎06-16-2012
0

Re: Garden Club Meeting - November 2012

Good Morning everyone!!! hope everyone had a great Thanksgiving!! I reisisted an application itch last night...I was at Best Buy and saw this TV  i wanted for 1500 dollars plus a playstation for 260...I was so close to applying for their store card and thought about for a good 5 minutes but didnt give in, i went ahead and paid half of it cash and the rest with one of my other credit cards that had a zero balance....Smiley Happy I resisted and i am proud of myself for that....still application free!!!!

gardening since 12/8/15
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
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Re: Garden Club Meeting - November 2012

Ok, everyone... check out who's traded in bronze for silver!!! Smiley 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
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
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Re: Garden Club Meeting - November 2012


Sladyesq wrote:

I have officially gotten my bronze spade and it feels good.  Onward and upward!  I'm enjoying gardening. The forum has been a model in showing how gardening is helpful. Thank you 


 

Good for you!!! Also, I love hearing about how the GC has helped people. Keep up the good work! Smiley 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
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
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. Woman Happy


 

Welcome to the GC!

 

Yes, you have some nice little seedlings to tend. That's a good amount for a rebuild, and properly cared for, will give you plenty of positive reporting history. So, focus on your cards, enjoy any soft CLIs that you may receive, and allow your AAoA to recover. Best wishes as you continue on your rebuilding journey.

 


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
Valued Contributor
Posts: 2,802
Registered: ‎10-10-2012
0

Re: Garden Club Meeting - November 2012


tinuviel wrote:

Ok, everyone... check out who's traded in bronze for silver!!! Smiley Happy


Very nice, Congrats! Smiley Happy


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Established Contributor
Posts: 772
Registered: ‎01-03-2012
0

Re: Garden Club Meeting - November 2012


tinuviel wrote:

Ok, everyone... check out who's traded in bronze for silver!!! Smiley Happy


Oh yeah!   Smiley Happy

 

I'll get mine on 12/16 - can't wait!


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

Valued Member
Posts: 40
Registered: ‎06-11-2011
0

Re: Garden Club Meeting - November 2012

going to try and avoid the evil temptation during the holiday season, been hard so far tho Smiley Happy

 

last app was 9-2012 (Barclays), now i just want to weed the old report and prepare for a mortgage in the spring



Starting Score 12-2011: EX 640 FAKO TU 550 FAKO 6-2011
Current Score 3-2012: EX 635 TU 603 myFICO 3-2012 EQ 670 MyFICO
Goal Score: 720


Take the FICO Fitness Challenge
In the Garden, trying to avoid the Christmas temptation. Last app 9/2012

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