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Valued Contributor
creditnocash
Posts: 2,172
Registered: ‎07-23-2012

Re: Garden Club Meeting - October 2012


jsucool76 wrote:

I've got like 15 on each of my reports, so don't feel bad :smileytongue: Quite a few are past the one year mark though :smileyvery-happy:


four of mine will fall off by march '13.  5 will be over a year old at the end of feb. the rest will be over a year at the end of august :smileywink:

i cant believe i let my bank pull my report like ughhh....  5 times in 3 months smh... amex pulled all three reports as well. toyota was 5 pulls. 

 

but im not looking for a house or a car (anymore) or any more credit for that matter. zync will be my debit unless mom and pop shop and the rest used for gas and obviously store purchases. 

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | 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
Moderator
Revelate
Posts: 8,147
Registered: ‎12-30-2011

Re: Garden Club Meeting - October 2012

CNC: what do you consider to be a possible larger purchase than a house? :smileywink:
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 703, TU 708, EX 702* (05/30/14, EX older)
Goal Score: 700 in all three (01/01/15)


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Valued Contributor
creditnocash
Posts: 2,172
Registered: ‎07-23-2012

Re: Garden Club Meeting - October 2012


Revelate wrote:
CNC: what do you consider to be a possible larger purchase than a house? :smileywink:

a private jet with your centurion amex :smileywink:. idk most common folk a house. 

or if you have your values backwards a car. lol. 

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | 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
Frequent Contributor
Roarmeister
Posts: 311
Registered: ‎04-21-2012

Re: Garden Club Meeting - October 2012

Still in the garden.  My goals haven't changed.  See ya next month.

AMEX_PlatinumBMOWorldMCCapOnePlatinumMBNA_Platinum+ScotiaMomentum
___$18.5k______$20k_______$20k_______$25k______$25k____
Starting Score: 676 Feb 2008; Current Score: 775 EQ, July 2014; Goal Score: 785 by end of year
Oldest Account reported by EQ: 12.0 years; EQ AAoA: 5.2 years; EQ Credit Utilization: 3.5%
New Contributor
zan987
Posts: 51
Registered: ‎09-27-2011

Re: Garden Club Meeting - October 2012

Hello everyone!  My gardening for 3 months paid off:smileyhappy:  I have been gardening for 3 months while paying down my utilization, in hopes of getting a decent intrest rate for a vehicle from my credit union.  It worked, app'd on Oct 1st and got approved for 1.9%.  Lowest I have ever had for a vehicle.  Now I just have to find my Infiniti G37.   I am back in the garden till next year.


Starting Score: 590
Current Score: EQ:665
9/05/12; EX: 656 7/10/12; TU: 641 8/15/12

Goal Score: 680


Take the FICO Fitness Challenge
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010

Re: Garden Club Meeting - October 2012


zan987 wrote:

Hello everyone!  My gardening for 3 months paid off:smileyhappy:  I have been gardening for 3 months while paying down my utilization, in hopes of getting a decent intrest rate for a vehicle from my credit union.  It worked, app'd on Oct 1st and got approved for 1.9%.  Lowest I have ever had for a vehicle.  Now I just have to find my Infiniti G37.   I am back in the garden till next year.


 

Congrats on the great interest rate! It's amazing how beneficial it can be to sit back and tend to the accounts one already has. Enjoy your new car, and welcome back for another stay in the garden. :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
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010

Re: Garden Club Meeting - October 2012

[ Edited ]

Sitting back and enjoying a nice hefeweizen...

 

Still waiting for my new Discover to report. My statement closes on the 6th, so I wouldn't be surprised if it appears in a week or so. Once it does, I'll be able to see the final effects of the new credit ding. I'm looking forward to watching my scores recover when this is all said and done.

 

(ETA) But I must say this... I'm thoroughly enjoying my new cards. No app itch at all! :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
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012

Re: Garden Club Meeting - October 2012

I almost app'd for a US Bank Cash+ card for the +5% bill pay .............................. and then I remembered I was in the garden! :smileytongue:

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Established Member
toful
Posts: 35
Registered: ‎09-30-2012

Re: Garden Club Meeting - October 2012

Got the amex bce i wanted. freedom and BCE should cover me for awhile so i'm joining the garden for a LONG time :smileyhappy: 

Capital One Platinum $750 (3/11) | Macy's $2K (1/12)
Chase Freedom $4.5K (8/12) | Chase Sapphire Preferred $5K (11/12) | Amex BCE $12K (10/12)

TU: 751 (10/1/12 - Amex), 747 (5/23/12 - Transunion.com) | EQ: 718 (10/1/12 - myFICO)
Gardening since: 11/12/12

Valued Contributor
creditnocash
Posts: 2,172
Registered: ‎07-23-2012

Re: Garden Club Meeting - October 2012

got a pre approval for credit one card up to 1500. 

went straight to the shredded. 

 

learned my lesson..

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | 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

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