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Established Contributor
lithium78
Posts: 929
Registered: ‎07-30-2011
0

Re: Garden Club Meeting - November 2012

SW alert:  EQ just jumped 14 points from 727 to 741.  This is the highest FICO score I have ever had. :-)


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Established Contributor
TNTransplant
Posts: 772
Registered: ‎01-03-2012
0

Re: Garden Club Meeting - November 2012


lithium78 wrote:

SW alert:  EQ just jumped 14 points from 727 to 741.  This is the highest FICO score I have ever had. :-)


Congrats on the score jump!  :smileyhappy:

 

And the platinum spade looks nice, too... 


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

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

Re: Garden Club Meeting - November 2012


lithium78 wrote:

SW alert:  EQ just jumped 14 points from 727 to 741.  This is the highest FICO score I have ever had. :-)


CONGRATS!!!

 

I havrn't gotten past 664. Come on EQ!!!

 




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
New Member
slock9
Posts: 4
Registered: ‎11-10-2012
0

Re: Garden Club Meeting - November 2012

Hi All!  New to the boards and had to head straight to the garden.  I have been CC app free since undergrad (~13yrs ago) but decided to apply for the AMEX Gold after receiving a preapproval in the mail for the Green.  Usually, I throw all CC offers in the trash when they arrive in the mail but since I had just closed on a new house in August, I felt the urge to rebuild some revolving credit...and secure some extra funds to decorate the house, of course ;-)  Anyways, that instant approval lead to an instant addiction and before I knew it...I was searching and applying for every card that I could :smileyembarrassed: .  After applying for the Sam's Club Discover today and getting the 7-10 day message...I decided that I must send myself to rehab :smileytongue: so...here I am in the garden.  My goal is to nurture my new CCs and watch my credit grow w/o applying for any new CCs through at least April 2013.  I'm already itching for a new app so I will really need your support to make this goal a reality :smileywink:  Happy gardening!




STARTING SCORE: 614 (EQ) 649 (EX) 653 (TU)
CURRENT SCORE: 646 (EQ) 653 (EX) 678 (TU)
GOAL: 700+ FICO for ALL


Take the FICO Fitness Challenge

AMEX Gold (08/12) - npsl / BOA (AU - 01/07) - $4300 / Barclay Rewards (09/12) - $1000 / Chase Freedom (09/12) - $2500 / Capital One Platinum (09/12) - $1000 / Discover More (08/12) - $1000 / Jared (11/12) - $3000 / Paypal SC (01/13) - $300 / Macys (09/12) - $1500 / RHCU (10/12) - $6000 / USAA Platinum (JA - 07/08) - $1000 / NFCU CashRewards (01/13) - $10,000 / NFCU nRewards (01/13) - $9000
Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

Re: Garden Club Meeting - November 2012

Welcome to the forum and to the garden stock9!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Regular Contributor
patsfan1453
Posts: 202
Registered: ‎11-04-2012
0

Re: Garden Club Meeting - November 2012

I need help to stop my app addiction...so here I am in the Garden, had a good week though, went 4/6 :smileyhappy: staying here for at least six months!

Amex Everyday 6k || Chase Sapphire 5k || Buypower Card 5k || USAA Wounded Warrior Mastercard 4k || Citi TYP 4.9k|| Citi Forward 5.5k || Discover It 2k || Chase Freedom 5.5k || Walmart 1k || Chase Amazon 1k
Business: Chase ink cash 5k || AMEX Simply Cash 3.8k
Total CLs: 48.7k
New Member
slock9
Posts: 4
Registered: ‎11-10-2012
0

Re: Garden Club Meeting - November 2012

Thanks Epcot! 




STARTING SCORE: 614 (EQ) 649 (EX) 653 (TU)
CURRENT SCORE: 646 (EQ) 653 (EX) 678 (TU)
GOAL: 700+ FICO for ALL


Take the FICO Fitness Challenge

AMEX Gold (08/12) - npsl / BOA (AU - 01/07) - $4300 / Barclay Rewards (09/12) - $1000 / Chase Freedom (09/12) - $2500 / Capital One Platinum (09/12) - $1000 / Discover More (08/12) - $1000 / Jared (11/12) - $3000 / Paypal SC (01/13) - $300 / Macys (09/12) - $1500 / RHCU (10/12) - $6000 / USAA Platinum (JA - 07/08) - $1000 / NFCU CashRewards (01/13) - $10,000 / NFCU nRewards (01/13) - $9000
Contributor
528491
Posts: 90
Registered: ‎10-13-2012
0

Re: Garden Club Meeting - November 2012

I was declined for the NFL visa on October 13th for too many new accounts and recent inquiries. Luckily it only affected my Transunion score, but I still need to be more cautious in the future. I'll be in the garden until January 2013, at which time I'll app for the Amex BCE and possibly the Citi Forward student.


     $1500            $1500             $2500             $2500             NPSL         
Starting EQ: 646 - Current EQ: 693 - Goal EQ for 12/2013: >720
Gardening from 7/2013 until 1/2014
Valued Contributor
creditnocash
Posts: 2,236
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - November 2012

went out last night. 

drank some drinks. 

but didnt app. 

 

i dont know how you do it. 

were you just like sitting at the bar around a bunch of people and be like ohh i think its a good time to app for a credit card. 

im seriously just thinking about it though. im not calling you out :manwink:

but i do gotta say it was nice to put a tab on my amex... 

for four people that it would be around 150 but walked out with paying 60 including tip. i mean they also bought some drinks but not as much. 

Current: Discover Fico 689 8/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/05/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - November 2012

Sorry to have been gone for so long, but I'm back and feeling much better.

 

Welcome to our new gardeners, and congratulations to those members who have "leveled up" on their spades, have received score boosts, or have received soft CLIs! Nice job!

 

I have happy news to report. My EQ score went up to 723 this month, so I'm back to where I was exactly before my Aug app spree! And, my TU score went even higher, coming in at 725! Since I'm still being "dinged" for "too many new accounts," I can rest assured that if I continue to garden and manage my accounts responsibly, I have the potential for my scores to continue to inch their way upwards.

 

I'm also continuing to manage my DH's accounts for him, and he received a very nice increase on his Lowe's card -- from $6503 -> $8500. Not bad for a card that started out at $300 a year and a half ago.

 

All in all, it's been a good month so far. :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

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