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Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - October 2012

Today marks two months of gardening for me! One more month and I'll be able to upgrade my bronze spade to silver! :smileyhappy:

 

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!


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
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - October 2012


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!

 


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
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Garden Club Meeting - October 2012


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! :smileyhappy:

 

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 :smileyhappy:  Happy gardening!! 


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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Valued Contributor
dodgerslv
Posts: 1,727
Registered: ‎06-16-2012
0

Re: Garden Club Meeting - October 2012

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...:smileyhappy:



biggest limits: BofA Privilege (33K)/ BofA Cash Rewards (27k)/ Citi AA WEMC #1 (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)/ Barclays Arrival Plus (19.5K)/ Citi AA WEMC #2 (18k)/ Chase Ritz (18k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (Utilization at 8% right now).





Established Contributor
shakalaka
Posts: 547
Registered: ‎09-10-2012
0

Re: Garden Club Meeting - October 2012


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! :smileyhappy:

 

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 :smileyvery-happy:


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (17,400) | Discover IT (12,700) | Chase Freedom (4,800) | Walmart (4,500) | CapOne (1,500) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 748 (4/30) EQ 730 (4/26) EX 748 (12/5)

Regular Contributor
gijoe4500
Posts: 232
Registered: ‎05-12-2010
0

Re: Garden Club Meeting - October 2012

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?

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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Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012
0

Re: Garden Club Meeting - October 2012

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.

 

 

 



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Garden Club Meeting - October 2012


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...:smileyhappy:


 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. :smileyhappy:

 

Congrats on the new home and car!

 


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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Valued Contributor
mxp114
Posts: 1,356
Registered: ‎09-01-2011
0

Re: Garden Club Meeting - October 2012

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:

 

Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Garden Club Meeting - October 2012


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


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

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