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Garden Club Meeting - October 2012

Valued Contributor

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 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 111 of 338
Moderator Emeritus

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!!! Smiley Very 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
Message 112 of 338
Valued Contributor

Re: Garden Club Meeting - October 2012


tinuviel wrote:
You've done a great job -- congrats!!! Smiley Very 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 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 113 of 338
Established Contributor

Re: Garden Club Meeting - October 2012


creditnocash wrote:

tinuviel wrote:
You've done a great job -- congrats!!! Smiley Very 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 Smiley Tongue

 



FICO (TU/EX/EQ): 737/743/739 - Total CL 244+K
Message 114 of 338
Moderator Emeritus

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! Smiley Very 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
Message 115 of 338
Valued Contributor

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! Smiley Very 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 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 116 of 338
Moderator Emeritus

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! Smiley Very 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! Smiley 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
Message 117 of 338
Established Contributor

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! Smiley Very 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

 



FICO (TU/EX/EQ): 737/743/739 - Total CL 244+K
Message 118 of 338
Established Contributor

Re: Garden Club Meeting - October 2012

Morning all,

 

raining like hell here, how should one have one fun in the garden ... Smiley Mad



FICO (TU/EX/EQ): 737/743/739 - Total CL 244+K
Message 119 of 338
Contributor

Re: Garden Club Meeting - October 2012

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

Take the FICO Fitness Challenge
Message 120 of 338