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Garden Club Meeting - October 2012

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Senior Contributor

Re: Garden Club Meeting - October 2012

Good morning boys and girls.

 

I'm still here.

 

Evil Credit Union called yesterday asking what ELSE they can do for me.

 

of course, this makes the mind wander...  Smiley Tongue



Zero percent financing is where the devil lives...

10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
Message 231 of 338
Frequent Contributor

Re: Garden Club Meeting - October 2012

oops!  good catch.  I'll go change that....  Edit.... 7/24 was my last HP... so I'll change my sig to reflect that date.. then by Halloween I'll be sportin that silver spade Smiley Happy

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Message 232 of 338
Valued Contributor

Re: Garden Club Meeting - October 2012


codimom wrote:

oops!  good catch.  I'll go change that....  Edit.... 7/24 was my last HP... so I'll change my sig to reflect that date.. then by Halloween I'll be sportin that silver spade Smiley Happy


My last app is around that time too.  And I agree with your method.  I can't count the whole month of July as 'app free' if I apped on July 23.  I need to get through most of October for my next spade.  This way, by the time I have a platinum, if I get there, there will be absolutely no inqs having effect on my score.  It wouldn't be the same if I claimed a platinum and then still had to wait 23 days for my inqs to fall off.

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
Message 233 of 338
Frequent Contributor

Re: Garden Club Meeting - October 2012

Smiley Happy  helps me keep my goals in sight.  want some age on these prime seedlings...then I'm going to close 3 of the 6 cards I hold (2 revolvers, 1 store) once I get enough CLI $$ to balance out the utilization.  Which for me isn't that high anyway,since I'm anal and pretty much PIF EVERYTHING I can...

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Message 234 of 338
Regular Contributor

Re: Garden Club Meeting - October 2012

USAA fako is going up by leaps and bounds.  Just went up 30 points overnight, when one of my credit cards reported a smaller balance.  Hoping to see a FAKO of around 690 once all my card balances report 0.

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 235 of 338
Frequent Contributor

Re: Garden Club Meeting - October 2012

Newbie in the Garden

 

10/9/2012 is my start date, after successfully applying for Discover and Barclays Apple Fiance Card. I have no needs for any other cards, hope to apply for a Car Loan sometime next year and possible a Mortgage..

 

Currently tending in the garden:

 

Sprouts: (6-12 months)

Capital One Platinum Card

Georgia's Own Credit Union Secured Loan

 

Seedlings: (<6 months)

Discover More

Barclays Apple Finance

 

Future goals:

Car Loan (Sometime in 2013)

Mortgage (Somtime in 2013)

 


Starting Score: 500s
Current Score: EQ: 708myFICO(7/15/17), TU: 721myFICO(7/15/17), EX: 701myFICO(7/15/17)
Goal Score: 750

Wallet: Discover IT $50300, Capital One Platinum $17000, Barclays Rewards $6700, Walmart $6000, Amazon Store Card $6000 Chase Sapphire Preferred $5000, Chase Sapphire Reserve $10000, Bank of America Cash Rewards $500. BestBuy $10000
Message 236 of 338
Contributor

Re: Garden Club Meeting - October 2012

Had to remove my spade, but for what I consider a good reason.  Had been wanting to close two Orchard Bank cards which only had a limit of $600 each.  I wanted to app for a Chase Freedom and last night I did just that. Was approved with a limit of $3000. In addition, I also received a CLI on my Dillards card to $3000.  I'm very excited by these turn of events and I know that I wouldn't have the knowledge or the confidence if it were not for these forums. I repeat everything I learn to anyone who would listen (mostly just my sister) and she says, "what are you now, some kind of credit guru?" No, not yet but I plan to keep learning everything I can to stay financially healthy. Thanks to everyone who share their stories and offer advice. Day one in the garden....



Starting Score: ?
Current Score: ?
Goal Score: 720


Take the myFICO Fitness Challenge
Message 237 of 338
Valued Contributor

Re: Garden Club Meeting - October 2012

congrats qtcbcute! thats a great starting limit. 

 

so small update my kohls card updated today!. 207/400 to 0/400. i now have only 1 card reporting a 425/2500 balance.(total 425/12500) and my ck jumped 6 points and wait for it. 

my sw jumped from 682 to 697! im so exited. 

 

hopefully with a few more months of gardening in jan ill have 700+ across the board since all 3 cra have the same info and about the same amount of inq. 

 

edit: now im wishing i paid off my citizens card in full. =/ let 459/2000 report. 

 

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 238 of 338
New Contributor

Re: Garden Club Meeting - October 2012

Checked my Discover account to make sure my payment posted and noticed that they gave me an auto CLI, from $2,000 to $2,750. Needless to say I was quite pleased. Online chat option came up and I decided to press my luck and ask for more. The rep denied me and said I can ask again in 6 months. Couldn't hurt to try. Smiley Happy

 

Still sipping on my beverage...in the gahden!

AMEX BCE $15,500 Citi Double Cash $8,700 USAA $6,000
Chase Freedom $2,500 Discover It $10,600
M & T Visa $2,500 CU Visa $10,000, BOAmericard $7,500
Message 239 of 338
Moderator

Re: Garden Club Meeting - October 2012

Ah, a month post Zync, and I've suddenly been Spade, er Bronzed, er y'all know what I mean!

 

Figures it'd be today that was one of the most utterly bizarre days of my near two decade long adult life.  Oi vey.  Still chillin without apps, mortgage just got a bit harder but such is life.

 

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


Take the myFICO Fitness Challenge
Message 240 of 338