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Established Contributor
Posts: 569
Registered: ‎11-10-2012
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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. :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.


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


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 (11/7/14): TU 664 | EX 605 (no update) | EQ 661
Goals: Removing a $30 30-day late mark on my CR in November 2014 because I was too nice to a friend. Last app 7/16/14 (auto loan)
*** Homeowner 9/27/13*** All but 2 CCs are in the sock drawer!***
New Contributor
Posts: 60
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 633, TU 645, EX 610
Current Score: EQ 633, TU 645, EX 610
Goal Score: 740 across all 3


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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: 2,052
Registered: ‎06-16-2012
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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....:smileyhappy: I resisted and i am proud of myself for that....still application free!!!!

Cards: (Chase x8) (Citi x6) (Amex x6) (BofA x3) (US Bank x3) (Barclays x4) (WF x2) (Cap1 x4) (Synch x4) (Penfed x2) (Macys Amex, Discover, USAA, Fidelity, NASA x1), PLOC: Citi (18k) WF (10k), Personal Loan: USAA (25K), Auto Loans: Ally, Audi Financial.
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!!! :smileyhappy:


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! :smileyhappy:

 


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. :womanhappy:


 

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: 2,789
Registered: ‎10-10-2012
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Re: Garden Club Meeting - November 2012


tinuviel wrote:

Ok, everyone... check out who's traded in bronze for silver!!! :smileyhappy:


Very nice, Congrats! :smileyhappy:


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Established Contributor
Posts: 772
Registered: ‎01-03-2012
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Re: Garden Club Meeting - November 2012


tinuviel wrote:

Ok, everyone... check out who's traded in bronze for silver!!! :smileyhappy:


Oh yeah!   :smileyhappy:

 

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 :smileyhappy:

 

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


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In the Garden, trying to avoid the Christmas temptation. Last app 9/2012
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