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Valued Contributor
Posts: 2,266
Registered: ‎07-23-2012
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Re: Garden Club Meeting - October 2012

Well all of my reports have updated and im a little above where i started in june. (660 to 720 to 682) eq anyways. tu should be similar. 

cant wait until sep 13' where all of my inquries are non factor. 

 

went from 3 store cards reporting to 3 revolvers, 5 store revolvers, an amex charge, and a great auto (loan/lease)

im pretty exited that i paid down my debt as well. i think i will only let 2 cards report as i wont have enough funds i think to cover both for pif.(before statement cuts) with in all 700 reporting out of 12k  aval. 

 

and i have updated my sig with a nice reminder of how many days in total ive been app free and how many in total until my reports are free and clear of all inq. 

Current: Discover Fico 701 3/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 5 TU 1 EX 1 | Most Recent: 03/23/2015
Over 12 Months:6


2014 Goals:
Lower Utility
15% right now, but going up soon :smileysad:
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6400
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
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Re: Garden Club Meeting - October 2012


creditnocash wrote:

Well all of my reports have updated and im a little above where i started in june. (660 to 720 to 682) eq anyways. tu should be similar. 

cant wait until sep 13' where all of my inquries are non factor. 

 

went from 3 store cards reporting to 3 revolvers, 5 store revolvers, an amex charge, and a great auto (loan/lease)

im pretty exited that i paid down my debt as well. i think i will only let 2 cards report as i wont have enough funds i think to cover both for pif.(before statement cuts) with in all 700 reporting out of 12k  aval. 

 

and i have updated my sig with a nice reminder of how many days in total ive been app free and how many in total until my reports are free and clear of all inq. 


 

You've done a great job -- congrats!!! :smileyvery-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
Valued Contributor
Posts: 2,266
Registered: ‎07-23-2012
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Re: Garden Club Meeting - October 2012


tinuviel wrote:
You've done a great job -- congrats!!! :smileyvery-happy:

 


thanks. ive just wrapped my head around that in two years of no credit to 13k in available credit. 

crazy what good history can do for a person. 

my first account was a joint the rest were non secured. seperate accounts.

never had a rebuilder

 

and as for everyone else. 

we are all here for the same reason (this forum and gardening topic) 

to improve our credit situation. good luck and congrats to those who stay on path. 

Current: Discover Fico 701 3/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 5 TU 1 EX 1 | Most Recent: 03/23/2015
Over 12 Months:6


2014 Goals:
Lower Utility
15% right now, but going up soon :smileysad:
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6400
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
Posts: 567
Registered: ‎09-10-2012
0

Re: Garden Club Meeting - October 2012


creditnocash wrote:

tinuviel wrote:
You've done a great job -- congrats!!! :smileyvery-happy:

 


thanks. ive just wrapped my head around that in two years of no credit to 13k in available credit. 

crazy what good history can do for a person. 

my first account was a joint the rest were non secured. seperate accounts.

never had a rebuilder

 

and as for everyone else. 

we are all here for the same reason (this forum and gardening topic) 

to improve our credit situation. good luck and congrats to those who stay on path. 


this and to help each other to resist the itch :smileytongue:

 


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - October 2012

I just posted on a separate thread, but I'm going to share here, as well.

 

Two little shrubs in my garden just experienced a growth spurt! I hadn't received a CLI on my GE cards for the last few months because of an old baddie that popped up on my reports and made it look like a recent default. It fell off a couple of months ago, and my reports became CO/CA free. So, I called in for an increase today, and the results are:

 

JC Penney - $2300 -> $2500

Dillard's Amex - $4200 -> $6000

 

I love soft CLIs! I'm especially happy about the Dillard's increase, as it gives me one more general purpose CC that is over the $5000 threshhold. I'm very happy with my card limits, and with the state of my garden in general! :smileyvery-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
Valued Contributor
Posts: 2,266
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - October 2012


tinuviel wrote:

I just posted on a separate thread, but I'm going to share here, as well.

 

Two little shrubs in my garden just experienced a growth spurt! I hadn't received a CLI on my GE cards for the last few months because of an old baddie that popped up on my reports and made it look like a recent default. It fell off a couple of months ago, and my reports became CO/CA free. So, I called in for an increase today, and the results are:

 

JC Penney - $2300 -> $2500

Dillard's Amex - $4200 -> $6000

 

I love soft CLIs! I'm especially happy about the Dillard's increase, as it gives me one more general purpose CC that is over the $5000 threshhold. I'm very happy with my card limits, and with the state of my garden in general! :smileyvery-happy:


like in the other thread congrats.

5k cards i got my eye on you! 

 

a nice income jump as well. 

got a raise for at least 3/4 dollars more an hour. 

cant wait till that reports on my taxes. and my bonuses as well. 

Current: Discover Fico 701 3/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 5 TU 1 EX 1 | Most Recent: 03/23/2015
Over 12 Months:6


2014 Goals:
Lower Utility
15% right now, but going up soon :smileysad:
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6400
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - October 2012


creditnocash wrote:

tinuviel wrote:

I just posted on a separate thread, but I'm going to share here, as well.

 

Two little shrubs in my garden just experienced a growth spurt! I hadn't received a CLI on my GE cards for the last few months because of an old baddie that popped up on my reports and made it look like a recent default. It fell off a couple of months ago, and my reports became CO/CA free. So, I called in for an increase today, and the results are:

 

JC Penney - $2300 -> $2500

Dillard's Amex - $4200 -> $6000

 

I love soft CLIs! I'm especially happy about the Dillard's increase, as it gives me one more general purpose CC that is over the $5000 threshhold. I'm very happy with my card limits, and with the state of my garden in general! :smileyvery-happy:


like in the other thread congrats.

5k cards i got my eye on you! 

 

a nice income jump as well. 

got a raise for at least 3/4 dollars more an hour. 

cant wait till that reports on my taxes. and my bonuses as well. 


 

Very nice -- congrats to you! :smileyhappy:

 


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
Established Contributor
Posts: 567
Registered: ‎09-10-2012
0

Re: Garden Club Meeting - October 2012


creditnocash wrote:

tinuviel wrote:

I just posted on a separate thread, but I'm going to share here, as well.

 

Two little shrubs in my garden just experienced a growth spurt! I hadn't received a CLI on my GE cards for the last few months because of an old baddie that popped up on my reports and made it look like a recent default. It fell off a couple of months ago, and my reports became CO/CA free. So, I called in for an increase today, and the results are:

 

JC Penney - $2300 -> $2500

Dillard's Amex - $4200 -> $6000

 

I love soft CLIs! I'm especially happy about the Dillard's increase, as it gives me one more general purpose CC that is over the $5000 threshhold. I'm very happy with my card limits, and with the state of my garden in general! :smileyvery-happy:


like in the other thread congrats.

5k cards i got my eye on you! 

 

a nice income jump as well. 

got a raise for at least 3/4 dollars more an hour. 

cant wait till that reports on my taxes. and my bonuses as well. 


Great news

 

Congrats

 


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

Established Contributor
Posts: 567
Registered: ‎09-10-2012
0

Re: Garden Club Meeting - October 2012

Morning all,

 

raining like hell here, how should one have one fun in the garden ... :smileymad:


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)

Contributor
Posts: 81
Registered: ‎08-12-2010
0

Re: Garden Club Meeting - October 2012

[ Edited ]

after my successful apping in September it's time to start from scratch. No apping until Jan 2013.....at least

hr> src="http://i.imgur.com/LEYWe.png">Starting Score: TU 610 EQ 655 - 8/2010
Current Score: EQ 714 9/13 EXP 708 8/13 TU 717 8/13
Goal Score: too much of a yoyo, maintain the 700's for 2013

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