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Senior Contributor
Posts: 4,672
Registered: ‎12-11-2011
0

Re: Garden Club Meeting - October 2012

Bah!

 

I have major app itch right now. No clue why, I just want to apply for something for the hell of it. :smileytongue: Time to go water some plants or something xD

 

#AddictedToCredit

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Valued Contributor
Posts: 2,266
Registered: ‎07-23-2012
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Re: Garden Club Meeting - October 2012


jsucool76 wrote:

Bah!

 

I have major app itch right now. No clue why, I just want to apply for something for the hell of it. :smileytongue: Time to go water some plants or something xD

 

#AddictedToCredit


its funny. 

i only get the itch to app when im on here. 

 

what did we ever do before getting credit cards. =|

Current: Discover Fico 701 3/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 5 TU 1 EX 1 | Most Recent: 03/23/2015
Over 12 Months:6


2014 Goals:
Lower Utility
15% right now, but going up soon :smileysad:
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6400
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Senior Contributor
Posts: 4,672
Registered: ‎12-11-2011
0

Re: Garden Club Meeting - October 2012


creditnocash wrote:

jsucool76 wrote:

Bah!

 

I have major app itch right now. No clue why, I just want to apply for something for the hell of it. :smileytongue: Time to go water some plants or something xD

 

#AddictedToCredit


its funny. 

i only get the itch to app when im on here. 

 

what did we ever do before getting credit cards. =|


...Crack.....

 

jk :smileytongue: That what credit cards are to me though, my crack :smileytongue:

 

All this talk of the zync being gone makes me want to app for an amex card, though I know I would get denied...I just want an amex so badly. :smileytongue: 

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Frequent Contributor
Posts: 455
Registered: ‎06-04-2011
0

Re: Garden Club Meeting - October 2012

Well it's been a bit since I have been up here. I am still gardening. I should be achieving my gold spade on the 20th of this month. I have seen many positive changes on my credit profile with EQ but not really TU. Of course EX I have no idea about. But I am really on a quest to see just how high my score will get by year's end. Maybe I can get my siggy goal.... I think I will be shedding Care Credit come January and maybe apping for Discover or something. Since the card is not in my rotation it hasn't really proved useful to me for quite some time. I got no love from Barclays at my 6 month mark. I charge consistently but pay off the balance before statement closing. Maybe once I let a balance linger they will like me more. I will experiment with that. My next 6 month marker with Citi is next month but I don't think I will go for a CLI on that one. Other than that there is really nothing left to do. I may refinance my house next year so I will just chill out until then. I hope everyone's gardens are flourishing!


03/12/2015:FICO O8: EQ- 790, EX - 805, TU - 831
Wallet: Amex BCP-15k, Citi Forward v-sig-12.5k, Barclays Rewards World MC-10.9k, Walmart MC - 7.5k, Amex Everyday-5k, Chase Freedom-4.5k, Target Visa- 1.5k
Frequent Contributor
Posts: 299
Registered: ‎05-28-2012
0

Re: Garden Club Meeting - October 2012

Can I join the garden if I'm apping for a mortgage, but not credit cards? :smileyhappy:


Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660



Senior Contributor
Posts: 4,672
Registered: ‎12-11-2011
0

Re: Garden Club Meeting - October 2012


JPersat wrote:

Can I join the garden if I'm apping for a mortgage, but not credit cards? :smileyhappy:


I don't think so :smileytongue: Since it is technically a new account on your CRs. I know they allow things like an inq from an apartment if they require it before they let you live there, but I think anything that involves a new account, or a CLI or something will result in loss of your gardener status :smileytongue: 

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Frequent Contributor
Posts: 299
Registered: ‎05-28-2012
0

Re: Garden Club Meeting - October 2012

Boo..haha, oh well. After the house and the ditching of sub-prime and (hopefully) Lowes and Chase, I'm done...and then I'll join! :smileyhappy:


Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660



Valued Contributor
Posts: 2,266
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - October 2012

[ Edited ]

JPersat wrote:

Can I join the garden if I'm apping for a mortgage, but not credit cards? :smileyhappy:


you can have a seedling until you actually app =) 

 

everyone has their reasons for leaving the garden. 

buying a home is ok to leave the garden for. its the largest or second largest purchase someone can make. 

 

 

as for me just went over my amex credit reports and i have a whopping 23 inq. spread across my reports 15(7 of them are from a car loan) of them from jun 15 till aug 30th this summer :EEEKS: 

i realized now i dont care what it is im not apping for anything. then amex true earnings and thats all the cards i need. 

going to get my diamond or i guess that would mean a platinum spade. and my aaoa will shoot up obvi to over 2 years =). plus amex backdate helps a little if they are still doing that. 

im still going to wallow over getting my util under 9% though.

its at 12 now but by the 15th will be 7%. (monthly spending that hasnt been paid yet.) 

ill be exited to get my travel expense reimbursment next week plus my paid holiday holiday over time and sunday and over time this week. half is going to savings and half is going to get me to 1% util. 

Current: Discover Fico 701 3/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 5 TU 1 EX 1 | Most Recent: 03/23/2015
Over 12 Months:6


2014 Goals:
Lower Utility
15% right now, but going up soon :smileysad:
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6400
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Frequent Contributor
Posts: 299
Registered: ‎05-28-2012
0

Re: Garden Club Meeting - October 2012

THe 23 makes me feel a little better about my 12 :smileywink: A few are over 1 year, but still. And we're in underwriting now..


Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660



Senior Contributor
Posts: 4,672
Registered: ‎12-11-2011
0

Re: Garden Club Meeting - October 2012

I've got like 15 on each of my reports, so don't feel bad :smileytongue: Quite a few are past the one year mark though :smileyvery-happy:

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