@loc right there with you . And tinu. Mine turns silver in 6 days.
I'm not really gardening for anything. Just to get my scores up. No loan plans or anything .
I'm not really gardening for anything. Just to get my scores up. No loan plans or anything .
I survived the Black Friday itch! Although those TV's were calling me. I just earned my silver spade and was rewarded with a 1 pt increase in my Fico score.
Starting Score: April 2012 EQ 624
Hi all. I'm sorry to say, I caved today. Only 48 hours after joining the GC, I scratched the itch. I went shopping with the kids, and applied at the register at Victoria's Secret. Of course, with all the recent inquiries, it was a no go. I feel really crappy right now...
@Ravensfan2001 wrote:
Hi all. I'm sorry to say, I caved today. Only 48 hours after joining the GC, I scratched the itch. I went shopping with the kids, and applied at the register at Victoria's Secret. Of course, with all the recent inquiries, it was a no go. I feel really crappy right now...
Don't feel too badly. Look at it this way -- with only two days in, you're simply joining two days later than originally planned. So, pick up your gloves and watering can and start over again; all will be well. 
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
I made it again. 1 month. Going strong, paying my UTIL down and score going up. I foresee a BCE in January 
@cjd wrote:I survived the Black Friday itch! Although those TV's were calling me. I just earned my silver spade and was rewarded with a 1 pt increase in my Fico score.
i used last years card for that =)
and with best buy i guess there is 24 month financing for electronics. not that i need it but took it to report a balance for a few months.
6 more days till my silver
and 2nd amex in jan or not whatever works both ways since no inq if not approved.
@tinuviel wrote:
@Ravensfan2001 wrote:
Hi all. I'm sorry to say, I caved today. Only 48 hours after joining the GC, I scratched the itch. I went shopping with the kids, and applied at the register at Victoria's Secret. Of course, with all the recent inquiries, it was a no go. I feel really crappy right now...
Don't feel too badly. Look at it this way -- with only two days in, you're simply joining two days later than originally planned. So, pick up your gloves and watering can and start over again; all will be well.
Thank you, tinuviel. I actually talked to my sister about my situation, and she really put me down (in a loving way. lol!). But I think that helps. So here I go again. No apps til 2014. I'm having a hard time with my signature... 
It's been two weeks since I entered the garden and every day gets easier for me. It also helps to get soft pull credit increases LOL and live vicariously threw others who apply and are approved! I've already seen an increase in my scores, and that is very motivating!!
Still app free. I haven't even considered apping for anything recently. I've been pre-occupying myself with prepping for my first 5k foot race, as well as changing up my diet to have much more healthy eating habits. It isn't easy, but it keeps me away from the app button! I've also been using the Rosetta Stone software in an attempt to learn Spanish a bit better.
Starting Score: MyFico TU: 621 EQ: 610