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Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Garden Club Meeting - October 2012

Left the garden early this morning for an app...hence my signature. LMAO. I don't feel bad about it. Probably b/c I really wanted the card...and it was approved with a generous credit line! Haha!

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Regular Contributor
Posts: 156
Registered: ‎07-11-2012
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Re: Garden Club Meeting - October 2012

Been getting the itch lately... almost gave in to a CLI request that I don't need! but holding strong!

 

Waiting to see what happens to zync holders if we'll have to apply for something else. If this is the case, BCE/BCP in Jan if I want a revolver, or a different charge product.

In full gardening/ debt annihilation mode! (4/15/13)
Notre Dame FCU Visa 0/2k (8/04); CapOne Best Buy 800/1.5k (7\06)
Citi Thank You World MC 4800/9.7k (1/11); Amex Zync NPSL (9/11)
Chase Freedom Visa 1600/3.8k (9/11); Chase Southwest RR Premier Visa Signature 4300/10.7k (6/12); Discover It 0/3k (7/12)
EQ: 751 (4/1/13) EX: 742 (4/8/13) TU: 732 (4/8/13)
Frequent Contributor
Posts: 397
Registered: ‎09-08-2010
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Re: Garden Club Meeting - October 2012

Still here, impatiently waiting for my scores to grow...

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Community Leader
Valued Contributor
Posts: 2,111
Registered: ‎07-29-2011
0

Re: Garden Club Meeting - October 2012

My scores are dropping slightly due to BoA reporting out-of-cycle, causing my util to jump a bit since I have been buying some expensive stuff recently to furnish my new apartment.  Oh well.  I don't need perfect scores at the moment as I don't have any new credit lines I am planning on opening anytime soon.  I am just sitting here in my garden, where I have been for the last 78 days.  This bronze spade is becoming worn down.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Frequent Contributor
Posts: 367
Registered: ‎06-02-2008
0

Re: Garden Club Meeting - October 2012

Jumping in the garden.  Got my CSP (yay) and tried for a AMEX BCP (failed).  Done for quite some time.  Just SP CLI for now.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
New Contributor
Posts: 70
Registered: ‎11-05-2011
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Re: Garden Club Meeting - October 2012

I'm back in the garden after purchasing a new car this weekend. Had been gardening since February. Now that I got approved on an auto loan at 4.49% with my low score I want to app like crazy to see what else I could get, but I must garden as I'm convinced the auto loan gods were feeling mighty generous when they approved me.

Starting Score: 560 on 11/1/11
Current Score: 578 on 10/04/12
Goal Score: 650 for starters

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Regular Contributor
Posts: 136
Registered: ‎07-09-2012
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Re: Garden Club Meeting - October 2012

Whoohoo, moving on up. Got my silver spade going on here in the garden this month! Got a 6,000 CLI from Amex this month which kept me feeling like I was still making progress on my credit. My credit scores on creditkarma.com went up a few points since last month b/c of decreased util (PIF before reporting). Enjoying my cards, though my spade is now shinier than the cards are as they are starting to lose their luster :smileysad:

 

Guess I'll enjoy some spatzle and jäger schnitzel and mix up some bananaweizen... yumm :smileyvery-happy: The stuff sold in bottles here isn't very good so better to mix banana juice and hefeweizen to get close to the real thing.


Starting Score (2015): EX: 748; EQ 737; TU 761
2014 Current Score: Discover FICO08 803 (1/15); EQ BE FICO 817 (1/15); PenFed FICO NextGen 799 (12/14)
Goal Score: All 775+ Available Credit: $100K+ Utilization: 10%
Gardening Since: Sept 2014
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
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Re: Garden Club Meeting - October 2012


DesertLife wrote:

Whoohoo, moving on up. Got my silver spade going on here in the garden this month! Got a 6,000 CLI from Amex this month which kept me feeling like I was still making progress on my credit. My credit scores on creditkarma.com went up a few points since last month b/c of decreased util (PIF before reporting). Enjoying my cards, though my spade is now shinier than the cards are as they are starting to lose their luster :smileysad:

 

Guess I'll enjoy some spatzle and jäger schnitzel and mix up some bananaweizen... yumm :smileyvery-happy: The stuff sold in bottles here isn't very good so better to mix banana juice and hefeweizen to get close to the real thing.


 

Congrats on your shiny, new spade, as well as your wonderful CLI!

 

Bananaweizen... hmm... this is the first time that I've heard of it. Sounds interesting.

 


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
New Contributor
Posts: 55
Registered: ‎06-27-2012
0

Re: Garden Club Meeting - October 2012

Posted up, silver spade on deck. Just biding my time...with this drink in my hand. :smileyhappy:

AMEX BCE $18,000 Citi Forward $6500 USAA $6000
Chase Freedom $2500 Discover It $4000
M & T Visa $2500 CU Visa $2500 Walmart $2200
Valued Contributor
Posts: 2,265
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - October 2012

can we pretend we're in the movie click. and im fast forwarding until all my inq fall of my report! ill only be 23 and 2 months. 

that would be awesome. 

 

i have a feeling ill be in 740/750 range when they all fall off!

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:4


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

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
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