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Today marks two months of gardening for me! One more month and I'll be able to upgrade my bronze spade to silver!
No app itches at all. I'm still exquisitely happy with the set of cards that I picked up a couple of months ago and am so pleased with my overall collection. I'm in such a better place now than I was two years ago. The information and support from these forums helped to make that possible and I'm deeply grateful. I can't express how wonderful it feels to have completed a successful rebuild. Now to continue on with sound habits that I've been practicing so that I can enjoy further the benefits of having good credit!
@iFICO wrote:Greetings all!
I am officially in the garden. (Actually I've been gardening since last December when I apped for my Freedom card - but I didn't really participate in the forums as much but now Im going to share what I have learned with others just discovering the forums)
A little about me -
Like many of you I found this forum because my credit was in disarray. With the advice I found here, I was able to clean up my reports, get my finances in order, and build a strong history. I have gone from low 600's to over 800 in 2 1/2 years and now have all the prime cards I need. I couldn't have done it with myFico forums I would never have known about Amex backdating, GW requests from creditors, or difference between FAKO and FICO. And I'd probably still be paying out the backside in AF for subprime cards. Thanks to all who have contributed.
Now I'm officially in garden mode after receiving a cli from Pen Fed and taking a HP to do so! Nothing more until mid-2013!
That's a wonderful thing, indeed! Congratulations, and best wishes for your continued success. Welcome to the Garden!
@tinuviel wrote:Today marks two months of gardening for me! One more month and I'll be able to upgrade my bronze spade to silver!
No app itches at all. I'm still exquisitely happy with the set of cards that I picked up a couple of months ago and am so pleased with my overall collection. I'm in such a better place now than I was two years ago. The information and support from these forums helped to make that possible and I'm deeply grateful. I can't express how wonderful it feels to have completed a successful rebuild. Now to continue on with sound habits that I've been practicing so that I can enjoy further the benefits of having good credit!
Congrats tinuviel Happy gardening!!
Hello all...i am new to the forums and decided to join the Garden Club... applied for a best buy card at the beginning of the month and got denied for too many inquiries so decided to stop applying for credit until some of those inquiries fall off (12 on TU...25 on EX...19 on EQ) i...i recently purchased a home and vehicle in the past 8 months and i am just going to let my credit age. Had been rebuilding my credit in the past year. I have learned alot from what i have read here...thank you all for providing alot of information about credit...
@tinuviel wrote:Today marks two months of gardening for me! One more month and I'll be able to upgrade my bronze spade to silver!
No app itches at all. I'm still exquisitely happy with the set of cards that I picked up a couple of months ago and am so pleased with my overall collection. I'm in such a better place now than I was two years ago. The information and support from these forums helped to make that possible and I'm deeply grateful. I can't express how wonderful it feels to have completed a successful rebuild. Now to continue on with sound habits that I've been practicing so that I can enjoy further the benefits of having good credit!
Congrats tinuviel.
I have my first moths in a couple of days and it is itching less and less every day. Soon I will head to Germany to our headquarters, this will help also. And 2013 will be a whole new issue
Found out yesterday, why some of my student loans have been verified as defaulted even after my rehab. A couple of my loans were not picked up in the rehab! So I still have 2 defaulted federal student loans on my account, as well as 2 unpaid defaulted private student loans (Key Bank). This could put a major damper on my plans of purchasing a house next summer!!! So, I think I'm going to go ahead and spend an inq in Nov or Dec to work out with a loan officer if i'll qualify, and if I won't qualify, what steps I'll need to take to get me there.
According to the bureaus, the Key Bank stuff is scheduled to fall off 4/2013. Aside from the student loan stuff, all I have on my report is a paid charge-off with First Premier, which should also fall off sometime before June.
Thoughts, fellow gardeners?
Hello,
My name is Duncan. Its been exactly 40 days since the last time I drapped. Its tuff. I open my cabinet in the kitchen and see my drapping cup collecting dust and it seems like its mocking me. The cup holds so much promise but I have to lay off the sauce. So many temptations. I see people here with 40, 50, 60 inquires or more on their credit reports and scoff. How could they get to that point. That will never be me. Really 80 inquires on your reports. I just laugh.
Then I go back to my kitchen and see my drapping cup...unused and so inviting.
@dodgerslv wrote:Hello all...i am new to the forums and decided to join the Garden Club... applied for a best buy card at the beginning of the month and got denied for too many inquiries so decided to stop applying for credit until some of those inquiries fall off (12 on TU...25 on EX...19 on EQ) i...i recently purchased a home and vehicle in the past 8 months and i am just going to let my credit age. Had been rebuilding my credit in the past year. I have learned alot from what i have read here...thank you all for providing alot of information about credit...
Welcome to MyFico forums!!
Welcome to the club! Take good care of your newly planted seedlings, and you'll lay the foundation for a solid credit future. Best wishes to you on your journey.
Congrats on the new home and car!
I made a transparent version of the seedling image, since it looks best without a white background. Feel free to take the image for the Garden:
@Duncanrr wrote:Hello,
My name is Duncan. Its been exactly 40 days since the last time I drapped. Its tuff. I open my cabinet in the kitchen and see my drapping cup collecting dust and it seems like its mocking me. The cup holds so much promise but I have to lay off the sauce. So many temptations. I see people here with 40, 50, 60 inquires or more on their credit reports and scoff. How could they get to that point. That will never be me. Really 80 inquires on your reports. I just laugh.
Then I go back to my kitchen and see my drapping cup...unused and so inviting.
Or 90 inquiries.... http://ficoforums.myfico.com/t5/Credit-Cards/Chase-Application-status-line/td-p/1661180