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Valued Contributor
tcbofade
Posts: 2,046
Registered: ‎09-26-2011

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...  :smileytongue:


Current Scores: EX 676 (FCR) TU08: 648 Wally (TU08). 07/01/14 Last app 05/29/2014.
Gardening until 01 November 2014.
(Thou shalt not app, thou shalt not app, thou shalt not app...)
Zero percent financing is where the devil lives...
Frequent Contributor
codimom
Posts: 386
Registered: ‎09-08-2010

Re: Garden Club Meeting - October 2012

[ Edited ]

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 :smileyhappy:


Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13


Community Leader
Valued Contributor
DaveSignal
Posts: 2,058
Registered: ‎07-29-2011

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 :smileyhappy:


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:701
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Frequent Contributor
codimom
Posts: 386
Registered: ‎09-08-2010

Re: Garden Club Meeting - October 2012

:smileyhappy:  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


Regular Contributor
gijoe4500
Posts: 232
Registered: ‎05-12-2010

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!!


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Regular Contributor
somotao
Posts: 228
Registered: ‎08-13-2011

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: 693myFICO(9/7/12), TU: 710myFICO(9/2/12), EX Plus:701(lp,4/16/12)
Goal Score: 700

Wallet: Discover IT $2000, Capital One Platinum $12000, Barclays Rewards $4700, Walmart $2600, Amazon Store Card $1250.
Keep the Hearth of your Thoughts Pure, by so doing you will be Happy and bring Peace!
Contributor
qtcbcute
Posts: 97
Registered: ‎06-28-2008

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


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Valued Contributor
creditnocash
Posts: 2,187
Registered: ‎07-23-2012

Re: Garden Club Meeting - October 2012

[ Edited ]

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 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
New Contributor
mistabgeez
Posts: 55
Registered: ‎06-27-2012

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. :smileyhappy:

 

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

AMEX BCE $18,000 Citi Forward $6500 USAA $6000
Chase Freedom $2500 Discover It $4000
M & T Visa $2500 CU Visa $2500 Walmart $2200
Moderator
Revelate
Posts: 8,454
Registered: ‎12-30-2011

Re: Garden Club Meeting - October 2012

[ Edited ]

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 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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