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Regular Contributor
DesertLife
Posts: 134
Registered: ‎07-09-2012

Re: Garden Club Meeting - November 2012

[ Edited ]

webhopper wrote:
I dated a guy that bought a 5k hdtv on his best buy account when it first came out. 2 years later he was still paying for the Tv and I was able to buy one for cash from a guy that needed funds fast for 500 bucks. His was a 52 inch mine was a 47 inch.

He carried an amex and made fun of me for carrying a discover card. The relationship didn't last :smileywink:


Yeah, good choice! That is certainly poor financial judgement and poor use of credit.


Starting Score: EX: 717; EQ 723; TU 732
2014 Current Score: EX 748 (4/14); EQ 737 (4/14); TU 761 (5/14)
Goal Score: All 750+
Available Credit: $100K+
Gardening Since: April 17 2014
Contributor
OilFieldEngineer
Posts: 100
Registered: ‎07-17-2012

Re: Garden Club Meeting - November 2012

Bought a new truck in Sept of this year and put a few purchases on credit time to make sizeable payments ahead and just let everything grow. Should have my last late payment drop off in January so my score should shoot up with the positive history. 

Current Scores 715 EQ (FICO 02/14) 720 EX (Lender Pull FICO) 742 TU (FICO 01/14)

AMEX Platinum - NPSL, AMEX Gold - NPSL, AMEX HH - 2.5k, BofA Travel Rewards - 5K, BofA 123 Cash Rewards - 5K, BofA Amex - 7.5K, Barclay Apple - 4K, Chase United Club - 9.6K, Discover More - 7.5K, Citi Diamond - 2.6K, Nationwide Bank - 7.5K, GEMB Dillard's - 4.5K, GEMB JCP - 5K, Capital One Venture - 3K, Wells Faro - 6K, Home Depot 1K, Lowe's 4.5K, GEMB Macy's 2.5K
Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012

Re: Garden Club Meeting - November 2012

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:


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

Regular Contributor
DesertLife
Posts: 134
Registered: ‎07-09-2012

Re: Garden Club Meeting - November 2012

Well, I WAS in the garden until something happened, I started feeling itchy all over..... I think it might have been the mini-quiches...I'm still not sure.... Anyway, I app'd and was approved over the phone on reconsideration for a $6,000 flexible spending line with the Chase Ink Bold charge card.

 

I think it was worth it...but I still feel a little itchy.

 

Back in the garden to cultivate my new seedling.


Starting Score: EX: 717; EQ 723; TU 732
2014 Current Score: EX 748 (4/14); EQ 737 (4/14); TU 761 (5/14)
Goal Score: All 750+
Available Credit: $100K+
Gardening Since: April 17 2014
Valued Contributor
creditnocash
Posts: 2,175
Registered: ‎07-23-2012

Re: Garden Club Meeting - November 2012


DesertLife wrote:

Well, I WAS in the garden until something happened, I started feeling itchy all over..... I think it might have been the mini-quiches...I'm still not sure.... Anyway, I app'd and was approved over the phone on reconsideration for a $6,000 flexible spending line with the Chase Ink Bold charge card.

 

I think it was worth it...but I still feel a little itchy.

 

Back in the garden to cultivate my new seedling.


as i was reading your post i felt an itch but then i was looking at the date and i just said no. 

 

54 more days until jan 1. 

i can do it for you amex!

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
New Contributor
mistabgeez
Posts: 55
Registered: ‎06-27-2012

Re: Garden Club Meeting - November 2012

4 months 3 days strong in the garden. Everything is growing nicely. Window shopping right now for any spectacular sign-up bonuses, but I don't have any plans to step out unless something amazing appears. Still sippin on this delicioso bebida!

AMEX BCE $18,000 Citi Forward $6500 USAA $6000
Chase Freedom $2500 Discover It $4000
M & T Visa $2500 CU Visa $2500 Walmart $2200
Valued Contributor
tcbofade
Posts: 1,992
Registered: ‎09-26-2011

Re: Garden Club Meeting - November 2012

Howdy, howdy boys and girls.

 

I'm still here...tomorrow is a silver spade!  Yay!


Current Scores: EX 676 (FCR) TU08: 648 Wally (TU08). 07/01/14 Last app 05/29/2014.
Gardening until 01 November 2014.
(Thou shalt not app, thou shalt not app, thou shalt not app...)
Zero percent financing is where the devil lives...
Frequent Contributor
prolificjinx23
Posts: 291
Registered: ‎02-05-2011

Re: Garden Club Meeting - November 2012

Just checking in Fellow Gardeners!!!

 

A word of advice....... SP CLI's from GECRB have been the best anti-itch cream for those app bugs!!!!!!!



Starting Score: EQ 414 (01/05/11), TU 422 (01/05/11), EX ???
Current Score: ALL FICO's: EQ 654 (04/17/13), TU 641(03/04/13), EX 638 (03/20/13 - AMEX SOFT PULL)
Goal Score: ABOVE 680 ALL 3
Current Cards: Too many!!! App Free since 04/19/13 & NOT APPING until 04/2014....
Contributor
SoCalBound
Posts: 96
Registered: ‎06-24-2012

Re: Garden Club Meeting - November 2012

I've been so bad.  After just two months, I left the garden and picked up an Amazon store card for it to grow the next 8 months.   And then siren song of Chase United's 50k bonus miles for was too great.   Chase denied me on that because I picked up my first two Chase cards in August and they werent quite ready to give me another card just yet.  But in recon I explained my reasons and they allowed me to move a majority of my credit limit from Chase Amazon to United (better interest rate also) .   I was pleasantly surprised with Chase.  So I'm happy and my streak is still going. 

 

Those two cards were the "I wish I would have's" that lingered from my rather large August App Spree. So I honestly think I a set at this point, I'm going to work on growing these cards. 

Zync NPSL, BCP ($2000), Chase United ($2000) Chase Amazon ($1500), Chase Freedom ($3000), Discover More ($2000), Paypal Extras ($5000), Citi Forward ($2000), Orchard $2000, Amazon ($5000)
Pre-App Scores: TU98 779, TU04 797, EQ 682, EX 788 (Amex) 8/12
Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Garden Club Meeting - November 2012

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.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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