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Valued Contributor
maiden_girl
Posts: 1,743
Registered: ‎12-29-2011

Re: Garden Club Meeting - October 2012

Left the garden early this morning for an app...hence my signature. LMAO. I don't feel bad about it. Probably b/c I really wanted the card...and it was approved with a generous credit line! Haha!

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal scores: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (3.0k) | Chase Freedom NPSL | Citi Simplicity (8.0k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Regular Contributor
jm00ser
Posts: 156
Registered: ‎07-11-2012

Re: Garden Club Meeting - October 2012

Been getting the itch lately... almost gave in to a CLI request that I don't need! but holding strong!

 

Waiting to see what happens to zync holders if we'll have to apply for something else. If this is the case, BCE/BCP in Jan if I want a revolver, or a different charge product.

In full gardening/ debt annihilation mode! (4/15/13)
Notre Dame FCU Visa 0/2k (8/04); CapOne Best Buy 800/1.5k (7\06)
Citi Thank You World MC 4800/9.7k (1/11); Amex Zync NPSL (9/11)
Chase Freedom Visa 1600/3.8k (9/11); Chase Southwest RR Premier Visa Signature 4300/10.7k (6/12); Discover It 0/3k (7/12)
EQ: 751 (4/1/13) EX: 742 (4/8/13) TU: 732 (4/8/13)
Frequent Contributor
codimom
Posts: 377
Registered: ‎09-08-2010

Re: Garden Club Meeting - October 2012

Still here, impatiently waiting for my scores to grow...


Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13


Community Leader
Valued Contributor
DaveSignal
Posts: 1,739
Registered: ‎07-29-2011

Re: Garden Club Meeting - October 2012

My scores are dropping slightly due to BoA reporting out-of-cycle, causing my util to jump a bit since I have been buying some expensive stuff recently to furnish my new apartment.  Oh well.  I don't need perfect scores at the moment as I don't have any new credit lines I am planning on opening anytime soon.  I am just sitting here in my garden, where I have been for the last 78 days.  This bronze spade is becoming worn down.


FICO Scores: EQ:712 TU:767 EX:706
Barclays Arrival World MasterCard $6.5k - BoA Travel Rewards Visa Signature $15k - SDFCU EMV $15k - NFCU goRewards $20k
Frequent Contributor
somnipotent
Posts: 367
Registered: ‎06-02-2008

Re: Garden Club Meeting - October 2012

Jumping in the garden.  Got my CSP (yay) and tried for a AMEX BCP (failed).  Done for quite some time.  Just SP CLI for now.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
New Contributor
cp94550
Posts: 70
Registered: ‎11-05-2011

Re: Garden Club Meeting - October 2012

I'm back in the garden after purchasing a new car this weekend. Had been gardening since February. Now that I got approved on an auto loan at 4.49% with my low score I want to app like crazy to see what else I could get, but I must garden as I'm convinced the auto loan gods were feeling mighty generous when they approved me.

Starting Score: 560 on 11/1/11
Current Score: 578 on 10/04/12
Goal Score: 650 for starters

Take the FICO Fitness Challenge
Regular Contributor
DesertLife
Posts: 132
Registered: ‎07-09-2012

Re: Garden Club Meeting - October 2012

Whoohoo, moving on up. Got my silver spade going on here in the garden this month! Got a 6,000 CLI from Amex this month which kept me feeling like I was still making progress on my credit. My credit scores on creditkarma.com went up a few points since last month b/c of decreased util (PIF before reporting). Enjoying my cards, though my spade is now shinier than the cards are as they are starting to lose their luster :smileysad:

 

Guess I'll enjoy some spatzle and jäger schnitzel and mix up some bananaweizen... yumm :smileyvery-happy: The stuff sold in bottles here isn't very good so better to mix banana juice and hefeweizen to get close to the real thing.



2013 Starting Score: EX: 717 EQ Beacon 5.0: 723 TU98: 732
2014 Current Score: EX: 740 (AMEX app 12/13) EQ MyFICO: 730 (7/13) TU98: 732 (12/12)
Goal Score: All 750+
USAA Amex 11; Chase Sapphire Pref. 9.9; Amex BCP 20.6; AMEX Delta 2; PenFed Plat.Rewards 7.5; Chase Ink Bold 9; Citi AAdvantage Plat.VisaSig. 4; AlaskaAir Visa.Sig. 5; Cabela's 6; Chase Hyatt 13.6; Military Star 6.1; Amazon Store 2.7
Moderator
tinuviel
Posts: 4,871
Registered: ‎11-02-2010

Re: Garden Club Meeting - October 2012


DesertLife wrote:

Whoohoo, moving on up. Got my silver spade going on here in the garden this month! Got a 6,000 CLI from Amex this month which kept me feeling like I was still making progress on my credit. My credit scores on creditkarma.com went up a few points since last month b/c of decreased util (PIF before reporting). Enjoying my cards, though my spade is now shinier than the cards are as they are starting to lose their luster :smileysad:

 

Guess I'll enjoy some spatzle and jäger schnitzel and mix up some bananaweizen... yumm :smileyvery-happy: The stuff sold in bottles here isn't very good so better to mix banana juice and hefeweizen to get close to the real thing.


 

Congrats on your shiny, new spade, as well as your wonderful CLI!

 

Bananaweizen... hmm... this is the first time that I've heard of it. Sounds interesting.

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Platinum 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 8.95k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.2k, Kay Jeweler's 5.1k
New Contributor
mistabgeez
Posts: 55
Registered: ‎06-27-2012

Re: Garden Club Meeting - October 2012

Posted up, silver spade on deck. Just biding my time...with this drink in my hand. :smileyhappy:

AMEX BCE $18,000 Citi Forward $6500 USAA $6000
Chase Freedom $2500 Discover It $4000
M & T Visa $2500 CU Visa $2500 Walmart $2200
Valued Contributor
creditnocash
Posts: 2,164
Registered: ‎07-23-2012

Re: Garden Club Meeting - October 2012

can we pretend we're in the movie click. and im fast forwarding until all my inq fall of my report! ill only be 23 and 2 months. 

that would be awesome. 

 

i have a feeling ill be in 740/750 range when they all fall off!

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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