Reply
Regular Contributor
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! Smiley Tongue

 

 


Experian (Credit.com)- 832 (7/12/2015)
Equifax (Citi) Fico- 803 (5/28/15)
Transunion (Credit Karma)- 809 (5/28/15)
Vantagescore (Credit Karma)- 896 (8/2/14)
Vantagescore 3.0 (credit.com)- 809 (5/28/15)
Frequent Contributor
Posts: 273
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.


Mega Contributor
Posts: 15,442
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. Smiley Happy




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
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
Posts: 15,442
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
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
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
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!!! 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
Moderator Emeritus
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!!! Smiley Very 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 Smiley Happy 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 Smiley Wink 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
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!!! Smiley Very 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 Smiley Happy 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 Smiley Wink 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!!! Smiley Very 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 Smiley Happy 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 Smiley Wink 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. 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
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.