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Frequent Contributor
Posts: 495
Registered: ‎06-04-2011

Re: Garden Club Meeting - October 2012

Checking in...Day 172 in the garden. No app itch at all. Only positve so far this month was that my TU score finally moved! It had been stuck since June with not one point of movement. I was happy about that. But still gardening until early next year. I want to at least be close to the year mark with my newer accounts.
Wallet: Barclays Rewards MC-16k, Amex BCP-15k, Citi Forward V-sig-12.5k, Walmart MC - 7.5k, Amex ED-5k, Chase Freedom-6k, Target Visa- 1.5k
As of: 05/13/2015
New Member
Posts: 4
Registered: ‎09-29-2012

Re: Garden Club Meeting - October 2012

Just got my Walmart TU score...I am up 4 points.  Staying in the garden!
Valued Contributor
Posts: 2,300
Registered: ‎07-23-2012

Re: Garden Club Meeting - October 2012

[ Edited ]

how much effect do installment loans really have on a score? and is it counted in aaoa? 

my auto loan finally reported. 

and my walmart fico only dropped 4 points. 

im itching to pull my reports here but waiting for 2 cards to report 0 and till my cb mc is paid off. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9

2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Established Contributor
Posts: 961
Registered: ‎12-21-2010

Re: Garden Club Meeting - October 2012

[ Edited ]
Still in the garden sitting on my hands.... No apps till sept 2014... Holding strong.
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Regular Contributor
Posts: 236
Registered: ‎01-02-2010

Re: Garden Club Meeting - October 2012

No more credit card for 2 years.
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010

Re: Garden Club Meeting - October 2012

My Discover card has finally reported and I received a new SW alert today. I've been waiting to see how my score was going to be affected by this final new credit ding. Much to my surprise, I actually got a 15 point boost, bringing me up to 710! I doubt that it was because of the new account, though; a couple of other things may very well have factored in. Today is the 1 year anniversary of an inq, so the effect was due to drop off. And, an account that reported a balance last month updated to a zero balance. So, I'm sure that the score change was due to a combination of factors all happening to coincide at once. Whatever the case, I'm thrilled to be back in the 700 club across the board!!! Smiley Very Happy


Now to continue sitting back in the garden and enjoying the view! 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
Established Member
Posts: 42
Registered: ‎02-25-2009

Re: Garden Club Meeting - October 2012

[ Edited ]

New to the garden, but I am hoping for no apps until we start looking to buy a home in October of next year. That's a whole year!!! I hope I can do it! I added a few new cards in the last two months so I need to just let these babies grow. Three GE cards to nurture and hope for decent increases. Now it;s time to just sit back and live through everyone else on this forum. I can't lie, I get pretty excited when other people get approvals. Now let me kick back and relax my feet. Here's hoping I don't get any itches!! 

Current: TU (Wal-Mart) 640 EQ (myFICO) 627 EX 628 as of 10/12
BK Discharged 08/10 (The dark times)
NavChek (5000) Cap1 (2500 & 1000) hhGregg (1500) Amazon (900) & WalMart (500) Lowes (300)

Goal: No apps until 07/2013 & 700's across the board
Valued Member
Posts: 29
Registered: ‎09-27-2012

Re: Garden Club Meeting - October 2012

New to the boards here, and looks like I'll be joining the Garden after a fairly large app spree.  All in September in October: Amex BCP - $2000 limit, US Bank Cash Plus - Dropped to Cash Rewards with $2500 limit, will look to upgrade in 6 months, Purdue Federal Credit Union Rewards Visa - $2500 limit, Citi Diamond Preferred (Pre Approval) - $1800, Capital One Cash Rewards (No Annual Fee) - Declined.


I currently have a starter card with Cap One and figured during the spree apply for one of the Prime Cards, called to recon, but no such luck.  Not the best smooth talker I guess.


Now time to let this stuff grow.  I would like to get the US Bank Cash upgraded to the Cash Plus Signature.  Aside from that just get my limits up.  Right now I use my Chase Freedom and Amex BCP for most everything, More on certain occaisons as well.

Starting Score (Not Sure of Agency) 615 Current Scores EX 720 (FAKO) (02/27/2013) TU 683 (03/04/2013) EQ
Cap One Quicksilver (11/11) - $2500 | Chase Freedom (01/12) - $500 | Discover IT (03/12) - $6000 | AMEX BCP (09/12) - $4000 | US Bank Cash Plus Rewards (09/12) - $5000 | PFCU Rewards (09/12) - $2500 | Citi Diamond Preferred (10/12) - $1800 | Walmart (10/12) - $2000 | Amazon (10/12) - $1700 | Men's Wearhouse (10/12) - $1750 | Kohls (11/12) - $300 | Chase Amazon (12/12) - $2500 | Chase Sapphire (02/13) - $6000 | Barclay Arrival (05/13) - $2500 | Chase Slate (05/13) - $2500
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011

Re: Garden Club Meeting - October 2012

Inquiries falling off yay!

Tomorrow I will gain my bronze star for the 3rd time in the last six months.... at least all of the mortgage inquiries are falling off!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!

Take the myFICO Fitness Challenge
Established Contributor
Posts: 839
Registered: ‎10-28-2011

Re: Garden Club Meeting - October 2012

6 months app free..........feeling pretty good.........Smiley Very Happy

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