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Garden Club Meeting - October 2012

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creditnocash
Valued Contributor

Re: Garden Club Meeting - October 2012


@jsucool76 wrote:

I've got like 15 on each of my reports, so don't feel bad Smiley Tongue Quite a few are past the one year mark though Smiley Very Happy


four of mine will fall off by march '13.  5 will be over a year old at the end of feb. the rest will be over a year at the end of august Smiley Wink

i cant believe i let my bank pull my report like ughhh....  5 times in 3 months smh... amex pulled all three reports as well. toyota was 5 pulls. 

 

but im not looking for a house or a car (anymore) or any more credit for that matter. zync will be my debit unless mom and pop shop and the rest used for gas and obviously store purchases. 



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 71 of 338
Revelate
Moderator Emeritus

Re: Garden Club Meeting - October 2012

CNC: what do you consider to be a possible larger purchase than a house? Smiley Wink



        
Message 72 of 338
creditnocash
Valued Contributor

Re: Garden Club Meeting - October 2012


@Revelate wrote:
CNC: what do you consider to be a possible larger purchase than a house? Smiley Wink

a private jet with your centurion amex Smiley Wink. idk most common folk a house. 

or if you have your values backwards a car. lol. 



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 73 of 338
Roarmeister
Frequent Contributor

Re: Garden Club Meeting - October 2012

Still in the garden.  My goals haven't changed.  See ya next month.

Starting Score: EQ 732 October 2007; Current Score: EQ 839; TU 865, July 2022;
Oldest Reporting EQ Account: 20.4 years; EQ AAoA: 9.9 years;
ACTUAL Oldest account 40.1 years; ACTUAL AAoA 19.3 years.





Message 74 of 338
zan987
New Contributor

Re: Garden Club Meeting - October 2012

Hello everyone!  My gardening for 3 months paid offSmiley Happy  I have been gardening for 3 months while paying down my utilization, in hopes of getting a decent intrest rate for a vehicle from my credit union.  It worked, app'd on Oct 1st and got approved for 1.9%.  Lowest I have ever had for a vehicle.  Now I just have to find my Infiniti G37.   I am back in the garden till next year.

Starting Score: 700
Current Score: 800
Goal Score: 850


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Message 75 of 338
tinuviel
Moderator Emeritus

Re: Garden Club Meeting - October 2012


@zan987 wrote:

Hello everyone!  My gardening for 3 months paid offSmiley Happy  I have been gardening for 3 months while paying down my utilization, in hopes of getting a decent intrest rate for a vehicle from my credit union.  It worked, app'd on Oct 1st and got approved for 1.9%.  Lowest I have ever had for a vehicle.  Now I just have to find my Infiniti G37.   I am back in the garden till next year.


 

Congrats on the great interest rate! It's amazing how beneficial it can be to sit back and tend to the accounts one already has. Enjoy your new car, and welcome back for another stay in the garden. Smiley Happy

 


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
Message 76 of 338
tinuviel
Moderator Emeritus

Re: Garden Club Meeting - October 2012

Sitting back and enjoying a nice hefeweizen...

 

Still waiting for my new Discover to report. My statement closes on the 6th, so I wouldn't be surprised if it appears in a week or so. Once it does, I'll be able to see the final effects of the new credit ding. I'm looking forward to watching my scores recover when this is all said and done.

 

(ETA) But I must say this... I'm thoroughly enjoying my new cards. No app itch at all! Smiley Happy


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
Message 77 of 338
Anonymous
Not applicable

Re: Garden Club Meeting - October 2012

I almost app'd for a US Bank Cash+ card for the +5% bill pay .............................. and then I remembered I was in the garden! Smiley Tongue

Message 78 of 338
toful
Established Member

Re: Garden Club Meeting - October 2012

Got the amex bce i wanted. freedom and BCE should cover me for awhile so i'm joining the garden for a LONG time Smiley Happy 

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

Message 79 of 338
creditnocash
Valued Contributor

Re: Garden Club Meeting - October 2012

got a pre approval for credit one card up to 1500. 

went straight to the shredded. 

 

learned my lesson..



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 80 of 338
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