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Valued Contributor
creditnocash
Posts: 2,175
Registered: ‎07-23-2012

Re: Garden Club Meeting - November 2012

@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 .
Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Member
cjd
Posts: 23
Registered: ‎07-05-2012

Re: Garden Club Meeting - November 2012

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
Current Score: June 2013 EQ 706
Goal Score: 720


Take the FICO Fitness Challenge No Apps until 7/2013

Contributor
lylesvegas
Posts: 80
Registered: ‎11-21-2012

Re: Garden Club Meeting - November 2012

Hello everyone, I'm happy to be apart of the club now. 

Started Gardening Thanksgiving Day 2012 !!

Wells Fargo Cash Rewards / Discover More/ Barclaycard Rewards / Cap One Platinum / Cap One Cash card/ PayPal Smart Connect
Established Contributor
Ravensfan2001
Posts: 555
Registered: ‎11-10-2012

Re: Garden Club Meeting - November 2012

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...

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 (4/16/14): TU 675 | EX 654 | EQ 661
Goals: 680 across the board by 3/2015. Credit freeze x 3 on 10/16/13. Inqs - EX(31➡️29); EQ(36➡️34); TU(27➡️24)... Last app 7/7/14 for auto loan...
*** Homeowner 9/27/13***
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010

Re: Garden Club Meeting - November 2012


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. :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
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012

Re: Garden Club Meeting - November 2012

I made it again. 1 month. Going strong, paying my UTIL down and score going up. I foresee a BCE in January :smileyvery-happy:

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Valued Contributor
creditnocash
Posts: 2,175
Registered: ‎07-23-2012

Re: Garden Club Meeting - November 2012


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. 

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
Ravensfan2001
Posts: 555
Registered: ‎11-10-2012

Re: Garden Club Meeting - November 2012


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. :smileyhappy:

 


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... :smileyfrustrated:


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 (4/16/14): TU 675 | EX 654 | EQ 661
Goals: 680 across the board by 3/2015. Credit freeze x 3 on 10/16/13. Inqs - EX(31➡️29); EQ(36➡️34); TU(27➡️24)... Last app 7/7/14 for auto loan...
*** Homeowner 9/27/13***
Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012

Re: Garden Club Meeting - November 2012

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!!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Regular Contributor
gijoe4500
Posts: 232
Registered: ‎05-12-2010

Re: Garden Club Meeting - November 2012

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.

Last Hard Pull 05/24/2013

Starting Score: MyFico TU: 621 EQ: 610
Current Score: AmEx EX: 700 Walmart TU: 711 EQ: 699
Goal Score: 700's baby! (made it 4/10/2013!)
New Goal: 740!!


Take the FICO Fitness Challenge

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