Reply
Contributor
xboxrunner
Posts: 139
Registered: ‎05-30-2011
0

Re: Garden Club Meeting - October 2012

[ Edited ]

Discover is practically breaking down my door for me with their applications... I keep telling myself..

..App-free is the way to be!

 

Also, stay away from the wine and beer! No excuses ladies and gentlemen! :smileytongue:

 

 


Experian (CreditSesame)- 823 (8/2/14), 761 (Citi-4/26/13), 823 (Credit.com-8/2/2014)
Equifax Fico (MyFico) Fico- 745 (7/15/11)
Transunion (Credit Karma)- 790 (8/2/14)
Vantagescore (Credit Karma)- 896 (8/2/14)
Vantagescore 3.0 (credit.com)- 805 (8/2/14)
Frequent Contributor
obageegee
Posts: 270
Registered: ‎09-30-2012
0

Re: Garden Club Meeting - October 2012

[ Edited ]

I had a relapse and went drapping last night, darn you Makers Mark! I was approved for an NY Giants card offered by Barklays. If not anything I got my foot in the door there. I'm hoping it was a soft pull. I guess I'll wait till Monday or Tuesday to find out. So far I have Walmart, Amazon, Macy's and now the NY Giants card in my little garden. Already used Walmart and Amazon for small purchases and plan to PIF this week. Got to swear off the computer and the Makers Mark for a while.



Starting Score: 530 - 2/12
Current Score: EX - 720 EQ - 714 TU-690 WM-720
App free since 5/7/2014
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Garden Club Meeting - October 2012

Man i've been screwing up lately. I have to get back in here and stay grounded.

 

I took enough cream from the box to last for awhile, so my goal is 6 months. I dont need anything else but 6 month invervals is a good goal. :smileyhappy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Garden Club Meeting - October 2012

Back in the garden... applied for and approved for an auto loan through navy federal at 1.79%. to replace the car that was totalled back in august

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
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Garden Club Meeting - October 2012


webhopper wrote:
Back in the garden... applied for and approved for an auto loan through navy federal at 1.79%. to replace the car that was totalled back in august

 

Very nice APR!!!!

 

CONGRATS!!!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Garden Club Meeting - October 2012


LS2982 wrote:

webhopper wrote:
Back in the garden... applied for and approved for an auto loan through navy federal at 1.79%. to replace the car that was totalled back in august

 

Very nice APR!!!!

 

CONGRATS!!!


 

Thanks! I owe it to my gardening friends. I have gone from over 15 inquiries on each report down to less than ten. The majority of my inquiries will be gone by February. By march I will have 2 on TU; 3 on EQ; and 1 on EX

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
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Garden Club Meeting - October 2012

The two on TU are from mortgage refi and adding a security system The three on EQ are from mortgage refi; navcheck; and auto loan the one on EX is from mortgage refi. In the last 3 months ive only apped 2 times. In the last 6 months ive only apped 3 times.

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

Re: Garden Club Meeting - October 2012


webhopper wrote:
Back in the garden... applied for and approved for an auto loan through navy federal at 1.79%. to replace the car that was totalled back in august

 

Congratulations!!! :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
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Garden Club Meeting - October 2012


tinuviel wrote:

webhopper wrote:
Back in the garden... applied for and approved for an auto loan through navy federal at 1.79%. to replace the car that was totalled back in august

 

Congratulations!!! :smileyvery-happy:

 


 

Thanks tinuviel! It feels nice to get great rates for a change! I have never been approved for the best auto rates due to the unfortunate mishap with the.vehicle I was cosigner on of my ex husbands. Before that my age and lack of history kept me from getting the best rates. It feels nice to finally be in prime rate territory :smileyhappy: This will be my first "new" car and it feels great! Volvo is going to fly us to Sweden to take overseas delivery and tour the factory. We may be taking advantage of a 3 nights in London or Stockholm add on... but that hasn't been agreed to by my husband yet :smileywink: we could add on 3 nights in London which includes airfare for about 1200.

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

Re: Garden Club Meeting - October 2012


webhopper wrote:

tinuviel wrote:

webhopper wrote:
Back in the garden... applied for and approved for an auto loan through navy federal at 1.79%. to replace the car that was totalled back in august

 

Congratulations!!! :smileyvery-happy:

 


 

Thanks tinuviel! It feels nice to get great rates for a change! I have never been approved for the best auto rates due to the unfortunate mishap with the.vehicle I was cosigner on of my ex husbands. Before that my age and lack of history kept me from getting the best rates. It feels nice to finally be in prime rate territory :smileyhappy: This will be my first "new" car and it feels great! Volvo is going to fly us to Sweden to take overseas delivery and tour the factory. We may be taking advantage of a 3 nights in London or Stockholm add on... but that hasn't been agreed to by my husband yet :smileywink: we could add on 3 nights in London which includes airfare for about 1200.

webhopper wrote:

tinuviel wrote:

webhopper wrote:
Back in the garden... applied for and approved for an auto loan through navy federal at 1.79%. to replace the car that was totalled back in august

 

Congratulations!!! :smileyvery-happy:

 


 

Thanks tinuviel! It feels nice to get great rates for a change! I have never been approved for the best auto rates due to the unfortunate mishap with the.vehicle I was cosigner on of my ex husbands. Before that my age and lack of history kept me from getting the best rates. It feels nice to finally be in prime rate territory :smileyhappy: This will be my first "new" car and it feels great! Volvo is going to fly us to Sweden to take overseas delivery and tour the factory. We may be taking advantage of a 3 nights in London or Stockholm add on... but that hasn't been agreed to by my husband yet :smileywink: we could add on 3 nights in London which includes airfare for about 1200.



Wow!!! I've never had a new car buying experience quite like that! Good for you!!! I understand how you feel about crossing the threshhold from poor/mediocre credit to good/excellent credit. It feels wonderful to be extended credit with favorable terms. You've worked to achieve it, so you deserve it. I'm truly happy for 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

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}