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Garden Club Meeting - October 2012

Valued Contributor

Re: Garden Club Meeting - October 2012

Isanham, you can do it! Congrats on the bronze spade. It is indeed hard to stay app free, especially when seeing so many success stories others are having. Congrats on your progress so far! Smiley Happy


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 191 of 338
Highlighted
Regular Contributor

Re: Garden Club Meeting - October 2012

Called up Wal-Mart today, expected to have the automated CLI denied, with plans to call underwriting directly afterwards.  Surprisingly, I got CLI'd from $700-900 by the automated system.  Its not much, but its a step in the right direction, so I'm content for now.  Will try again in 2-3 months, then call up underwriting then.

Last Hard Pull 05/24/2013

Starting Score: MyFico TU: 621 EQ: 610
Current Score: AmEx EX: 700 Walmart TU: 711 EQ: 699
Goal Score: 700's baby! (made it 4/10/2013!)
New Goal: 740!!


Take the FICO Fitness Challenge
Message 192 of 338
Valued Contributor

Re: Garden Club Meeting - October 2012

got a scorewatch update. up 2 points for one less card reporting a balance. 

now just 2 cards reporting a balance out of 9. aiming to have just my mastercard report a small balance at the begining of the year. 

i think ill take a swig at my beer from all this gardening ive been doing. 

 

sadly though right around christmas might have to get a new washer (old one is leaking) but whats the fun in just getting a washer when the dryers are screaming buy me.  0% finance for 18 months plus an extra 5% off the already low prices =) 

 

Plus I Hit The Half Way Mark For my Silver Spade!

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
Message 193 of 338
Regular Contributor

Re: Garden Club Meeting - October 2012

I've been officially gardening since Febuary. I have around 7 Inquiries on EX--Im from CA so this is all they pull out here pretty much. Besides my card in Feb, all my apps reached 1 yr old around June. Hoping to stay Garden-Strong until all these fall off next year. The one thing nice about gardening is watching my scores rise as everything ages, slow and steady like a true garden. Smiley Very Happy

Transunion (Credit Karma)- 815 (4/9/17)
Experian Fico (Amex)- 795 (4/9/17)
Vantagescore (Alliant)- 811 (4/9/17)
Equifax - 811 CK, 820 Citi (4/9/17)
Message 194 of 338
Senior Contributor

Re: Garden Club Meeting - October 2012

So I sat down at my PC this morning....updated my CC Excel file, then paid "this weeks" credit card bills.

 

I'm still in the garden...no apps, not really feeling the itch, but a bit frustrated with what feels like slow progress...

 

Hmph.



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 195 of 338
Frequent Contributor

Re: Garden Club Meeting - October 2012

Month number 3.  Silver Spade is now mine. Smiley Very Happy

 

Only 21 months until my next big adventure begins (mortgage time)....

Message 196 of 338
Moderator Emeritus

Re: Garden Club Meeting - October 2012

Guys; should I apply for my auto loan pre approval with navy fed before I order the car; or wail til I actually need the funds? I'm going to order a new volvo through the overseas delivery program.

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!



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Message 197 of 338
Moderator Emeritus

Re: Garden Club Meeting - October 2012


Middleswarth wrote:

Month number 3.  Silver Spade is now mine. Smiley Very Happy

 

Only 21 months until my next big adventure begins (mortgage time)....


 

Yay... congrats!!! Nice looking garden; keep up the good work. 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 198 of 338
Moderator Emeritus

Re: Garden Club Meeting - October 2012

Congrats on your silver spade middleswarth! Very nice progress!

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
Message 199 of 338
Established Member

Re: Garden Club Meeting - October 2012


Middleswarth wrote:

Month number 3.  Silver Spade is now mine. Smiley Very Happy

 

Only 21 months until my next big adventure begins (mortgage time)....


Nice! 

 

That's about the timeframe I'm looking at to go for a morgage, as well. 

 

Happy Gardening!


Starting Score: 608 (7/29/12 TU), 615 (7/29/12 EQ), EX ???
Current Score: 690 (12/29/12 TU), 650 (12/16/12 EQ)
Goal Score: 700+ by 7/2014


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Message 200 of 338