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Garden Club Meeting - November 2013

Established Member

Re: Garden Club Meeting - November 2013

Hi everyone. I'm checking in, glad to be here :-)

Gardening at least until April 30 2014--
FICO: 695 (as of 3/27/2014; M&T Bank Beacon 5.0 EQ FICO) | BK 7 Discharged April 2010 | Current Lines: OCCU Duck Visa $12,000 (1% util, opened 10/2013) | Alliant FCU Platinum Visa, $15,000 (5% util, opened 5/2013) | Barclays iTunes Visa $6000 ( 1% util, opened 11/2011) | Best Buy MC $800 (0% util, opened 5/2010 | M&T Bank Checking Overdraft LOC $500 (0% util, opened 1/2007)

Most recent scores (March 26 2014): EQ 701 | EX 751 | TU 705
Mega Contributor

Re: Garden Club Meeting - November 2013

Welcome MC9199 kick back and let your garden grow!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Established Contributor

Re: Garden Club Meeting - November 2013

Two months in the garden now.  I am perfectly content to water my plants and watch them grow, because I don't really need any new credit right now.  The only time soon I might use it is once my new Comenity Total Rewards card reaches 6 mos., then I might go for a CLI.  Anybody know if they are a soft?


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

Take the FICO Fitness Challenge
Senior Contributor

Re: Garden Club Meeting - November 2013

Goooooooooood morning boys and girls.  Happy November, and congrats to Lexie again!  Woohoo!

 

I just can't seem to shake the app bug, but with DW behaving herself while in the home buying process, my credit lines are taking a bit of a hit...  (util is going to go UP not down this month.  Smiley Sad )

 

Oh well.

 

Day 2 app free.  Smiley Happy

Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Mega Contributor

Re: Garden Club Meeting - November 2013

Lithium78 I've heard don't even bother till 9 months after that every 3 months and a soft pull. As always YMMV.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Regular Contributor

Re: Garden Club Meeting - November 2013

Checking in! Still waiting on our refinance to close before apping for reward cards. Looking forward to a bronze spade on the 24th though!

Starting Score: EQ 574 - 08.28.13
High Score: EQ 714 (10/18/13) EX 686 (1/6/14) TU 664 (1/6/14)
Current Score: EQ 686 - EX ____- TU ____

            
Frequent Contributor

Re: Garden Club Meeting - November 2013

Checking in for November. Looking for silver on the 10th. Want to try to hold out for a year for all of the IIBs to fall off, but may need to get a car sooner than anticipated. My plan is to at least hold out until scores are over 700 again.

EX has gained each month, which is good since it was my weakest score. EQ seems to hold steady. TU gained some of it's loss back. It's like watching paint dry, as the expression goes. I'm aging faster than these cards! LOL!

I also joined SDFCU - what a PIA process! No card app, yet. Waiting for next year. Just have a savings account right now. Thinking of joining Alliant also for the interest checking account. I realize this may reset the clock, but it will be better now than later. I'm becoming pro-credit union, I guess.

Past - CH7 BK Discharged 01/09 | Rebuild Started 05/12 Present - All IIBs GONE! Future - 2015 Mortgage
Valued Contributor

Re: Garden Club Meeting - November 2013

Checking In!

myFICO EQ Starting Score 568 05/01/2013 Current Score 657



Established Contributor

Re: Garden Club Meeting - November 2013

Im here ugh back down to a friggin seedling... took a HP from DCU not knowing it was one I thought it was a SP like SDFCU. Seems like  I can never get passed the bronze spade Smiley Sad Oh well at least I did manage to get 2 new cards. J Crew and Ann Talyor via shopping cart trick so I guess that makes up for it a little... Staying put until Im old enough to retire which is about 30 years from now

 

Hi all!!!

Starting scores 12/1/15 EQ 601, TU 626, EX 601

Current Scores 9/17/17 EQ 686 TU 702 EX 655 Goal 700+ across
UTL 7%
Last Inq: 9/20/17
Established Member

Re: Garden Club Meeting - November 2013


sweettea wrote:


I also joined SDFCU - what a PIA process! No card app, yet. Waiting for next year. Just have a savings account right now. Thinking of joining Alliant also for the interest checking account. I realize this may reset the clock, but it will be better now than later. I'm becoming pro-credit union, I guess.

Credit unions have been good to me this year. I don't have a lot of choices, having BK'd most of the major banks.

 

4 INQs in 2013 yielded $27,000 in credit, there's a metric for you numbers geeks!

 

 

2 INQs were for CUs which approved (Alliant &  OCCU Duck); denied by Nordstrom and a Barclay CLI. Barclay was probably mad at me for getting CU cards.

Gardening at least until April 30 2014--
FICO: 695 (as of 3/27/2014; M&T Bank Beacon 5.0 EQ FICO) | BK 7 Discharged April 2010 | Current Lines: OCCU Duck Visa $12,000 (1% util, opened 10/2013) | Alliant FCU Platinum Visa, $15,000 (5% util, opened 5/2013) | Barclays iTunes Visa $6000 ( 1% util, opened 11/2011) | Best Buy MC $800 (0% util, opened 5/2010 | M&T Bank Checking Overdraft LOC $500 (0% util, opened 1/2007)

Most recent scores (March 26 2014): EQ 701 | EX 751 | TU 705