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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Garden Club Meeting - November 2012

I think I my have dodged the HP from CareCredit, tried for the CLI on Monday and still no HP showing on TU!!

 

Sweet, I can get my bronze back!!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

Re: Garden Club Meeting - November 2012

Gardening for a year........


Valued Contributor
tcbofade
Posts: 2,306
Registered: ‎09-26-2011
0

Re: Garden Club Meeting - November 2012

It's shiny silver spade day!  Woot!



Current Scores: EX 671 (FCR) TU08: 638 Wally (TU08).10/11//14 Last app 05/29/2014.
Being held hostage in the garden until 01 November 2014.

Zero percent financing is where the devil lives...
Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
0

Re: Garden Club Meeting - November 2012


tcbofade wrote:

It's shiny silver spade day!  Woot!


Congrats! :smileyhappy:

 

I've got about 5 more weeks before I get mine, but it's going to happen!


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

Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
0

Re: Garden Club Meeting - November 2012


webhopper wrote:

Still in the garden.  5 days until bronze spade!

 

Good news to report...  my dispute of the judgment on my EX report finally worked, and I'm proud to say that my credit report no longer contains any public records!!  Whoo hoo!

 

The backstory is that the judgment was dismissed by the court after I settled it.... I found this out earlier this year, and have been fighting to get it removed from all three.


Great news about the judgment removal!  :smileyhappy:


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 Contributor
dodgerslv
Posts: 1,777
Registered: ‎06-16-2012
0

Re: Garden Club Meeting - November 2012

[ Edited ]

Just realized it's  been 1 month 3 days since my last application!!!


Cards: (Citi x6) (Chase x5) (US Bank x3) (Amex x3) (Barclays x3) (BofA x3) (Cap1 x2) (WF x2) (Penfed x1) (Discover x1) (Sync/GE x4) (Macys x2)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Valued Contributor
chasmith
Posts: 1,062
Registered: ‎05-26-2010
0

Re: Garden Club Meeting - November 2012

One month in for me as well, picked up my bronze spade...

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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Moderator
Revelate
Posts: 9,477
Registered: ‎12-30-2011
0

Re: Garden Club Meeting - November 2012


TNTransplant wrote:

Hey All,

 

I've not been the best at gardening this year, but the small amount that I did helped me get new cards and finally meet my goal scores for 2012 - 720 on each by 12/31/12.  And two months early, besides. :smileyhappy:

 

I will hit two months in the gard on 11/16, and plan to stay here for the forseeable future.  Possible mortgage app in 2013, so I have to behave.

 

As an aside, I'm having a love/hate relationship with Amex right now - hate that I've tried twice to get a CLI and gotten denied both times, but love the fact that I get an updated Experian score each time.  Who needs PSECU??? :smileytongue:


Haha mortgage buddy, I will at some point be joining you with the Amex EX scores whenever I finally start applying for one of their revolvers :cattongue:

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Moderator
Revelate
Posts: 9,477
Registered: ‎12-30-2011
0

Re: Garden Club Meeting - November 2012


LS2982 wrote:

I think I my have dodged the HP from CareCredit, tried for the CLI on Monday and still no HP showing on TU!!

 

Sweet, I can get my bronze back!!


Hate to say it but CareCredit often pulls EQ :smileysad:.  It's one of the odd ducklings in the GE armada.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Contributor
RonDawg
Posts: 322
Registered: ‎10-19-2012
0

Re: Garden Club Meeting - November 2012

Been in the garden since my refi of my auto loan back in June of this year. I plan to stay in the garden till April 2013 then app for the Chase Sapphire preferred that will complete my cards and I don't plan to app again till something better comes along.

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903

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