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Regular Contributor
SFernandez13461
Posts: 231
Registered: ‎02-24-2011
0

Re: Garden Club Meeting - November 2012

Started gardening last month and didn't record my final app date (assuming it was approximately 10/15), but at any rate, the new account hasn't posted to my CR yet, so I'll be a seedling for a while. No app itch yet. But DH is feeling a little itchy in light of the surprising credit line we were given this time. 

Planning to stay in garden mode for about two and a half years until my remaining baddies fall off. Ultimately hoping to prepare to buy our first home by that time.

Happy Gardening and Happy Holidays.


Starting Scores: 10/9/10 EQ 632
Current Scores: (9/5/12) EX 761 EQ 657 TU 780
Derogs Removed: LVNV, Union Bank, EOS-CCA, Zenith Acquisitions, Marigold Financial, Credit Collection Services, California Business Bureau
Working On: Portfolio Recovery Associates, Midland Credit Management, Credit One
Established Contributor
NikJ4
Posts: 662
Registered: ‎01-24-2008
0

Re: Garden Club Meeting - November 2012

I'm in til mid 2013. Looking for my goose with a golden Amex....(actually I will take any color) then preparing for home purchase in 2014.



Start Score:493Current Score:635
Goal Score: 700>>>>>App free since (umm not saying...I struggle with this)
Established Contributor
BrokaToe
Posts: 726
Registered: ‎05-12-2012
0

Re: Garden Club Meeting - November 2012

[ Edited ]

Still planted firmly in the garden.  My scores are slowly climbing and my student loans have been successfully rehabed and turned back over to the department of education.  The tradelines have been partially updated and my EQ score jumped 18 points so far.  Just waiting on some more action on the scores before I pull my reports and see what's really going on with them.  But things are looking up, will have my Gold Spade on the 13th !!!

 

edit: My EQ was 655, it had gone down a bit from what my siggy says the start score was.


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Valued Member
asp123
Posts: 47
Registered: ‎10-11-2012
0

Re: Garden Club Meeting - November 2012

So glad to see I have several people who will be in the garden with me until mid 2013!!!  That will make it much easier!!


Starting Score: 9/2012 - 609
Current Score: 11/9/2012 TU 620 11/9/2012 EQ 591
Goal Score: 700


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Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Garden Club Meeting - November 2012

I'm here! :smileyhappy:

 

Recovering from some slip ups but trying to make a goal of 2 years app free a reality!




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
Valued Contributor
afbar1114
Posts: 2,179
Registered: ‎01-09-2012
0

Re: Garden Club Meeting - November 2012

Ok so my CLI was a hp but my family was starting to panic because they said we would be with out power for days. I'm trying to find gas and its a no go down to half a tank might not make it to Monday. No gas anywhere and food is becoming scarse. 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Established Contributor
LesWH
Posts: 608
Registered: ‎10-11-2012
0

Re: Garden Club Meeting - November 2012

[ Edited ]

I was involuntarily yanked out of the garden!!! i applied for an Amex green card and was denied on Oct. 11, 2012. Amex did another HP on Oct. 31, 2012 which i did not ask for and then sent me an approval email. Do I have to start over???


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






Established Member
toful
Posts: 35
Registered: ‎09-30-2012
0

Re: Garden Club Meeting - November 2012

Just got my Bronze Spade today :smileyvery-happy:

 

It's nice having your last app on the first of the month!

 

Keep it up guys!

Capital One Platinum $750 (3/11) | Macy's $2K (1/12)
Chase Freedom $4.5K (8/12) | Chase Sapphire Preferred $5K (11/12) | Amex BCE $12K (10/12)

TU: 751 (10/1/12 - Amex), 747 (5/23/12 - Transunion.com) | EQ: 718 (10/1/12 - myFICO)
Gardening since: 11/12/12

Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Garden Club Meeting - November 2012


LesWH wrote:

I was involuntarily yanked out of the garden!!! i applied for an Amex green card and was denied on Oct. 11, 2012. Amex did another HP on Oct. 31, 2012 which i did not ask for and then sent me an approval email. Do I have to start over???


**bleep**? did you have any other Amex cards? probably not since they only soft you if your declined once you have a Amex product. I dunno potentially you could sue them, but hey I think the relationship with Amex is more important in a lifetime than a $1,000 check.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Regular Contributor
Iincognito
Posts: 181
Registered: ‎04-21-2010
0

Re: Garden Club Meeting - November 2012

[ Edited ]

First time posting at the garden meeting, but I've been sober for a little over 3-months (Discover More application approved in July). =D

Current Scores (as of 04/22/13): EQ FICO=795; TU FICO =766; EX =763

BankAmericard Cash Rewards ($20,000) | Amex Platinum (NPSL) | Amex Clear ($20,000) | Amex Blue Cash ($2,500) | Chase Freedom ($11,000) | PenFed Platinum Cash Rewards ($5,000) | Barclaycard Apple ($5,000) | Discover More ($6,500) | BankAmericard Cash Rewards [Authorized User] ($15,000)

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