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Garden Club Meeting - October 2012

Frequent Contributor

Re: Garden Club Meeting - October 2012

Well I have officially earned my gold spade! Woo Hoo! Trying to keep everything clear until next year. I may do a re-fi on the house but not sure. Whatever the case might be gardening has done wonders for my credit profile and I am thrilled! Happy gardening everyone!
Wallet: Barclays Rewards MC-16k, Amex BCP-15k, Citi Forward V-sig-12.5k, Walmart MC - 7.5k, Amex ED-5k, Chase Freedom-6k, Target Visa- 1.5k
As of: 05/13/2015
Message 241 of 338
Regular Contributor

Re: Garden Club Meeting - October 2012

About to water the garden more and seek a CLI with Amex in 2 weeks. Other than that I don't forsee anything being able to lure me out of the garden until June next year when around 5 inquiries drop off my reports. It will be nice to see only 2 inquiries on my reports. Smiley Tongue

Transunion (Credit Karma)- 815 (4/9/17)
Experian Fico (Amex)- 795 (4/9/17)
Vantagescore (Alliant)- 811 (4/9/17)
Equifax - 811 CK, 820 Citi (4/9/17)
Message 242 of 338
Valued Contributor

Re: Garden Club Meeting - October 2012

I made it!

 

Over 1 month of gardening LOL. It's really hard.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 243 of 338
Valued Contributor

Re: Garden Club Meeting - October 2012


tonyaether wrote:
Well I have officially earned my gold spade! Woo Hoo! Trying to keep everything clear until next year. I may do a re-fi on the house but not sure. Whatever the case might be gardening has done wonders for my credit profile and I am thrilled! Happy gardening everyone!

congrats!

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 244 of 338
Frequent Contributor

Re: Garden Club Meeting - October 2012

Thank you creditnocash! I have come a ways in a year. This was my line-up last year around this time: Citi - $5000 balance C/L: $9600 limit Chase Freedom - 0 balance C/L:$3000 Target Visa- 0 balance C/L: $1500.00 Care Credit - 0 balance C/L:$5400 First Premier - 0 balance C/L: $1100 HHB MC- 0 balance C/L: $800 HHB Premier Visa - 0 balance C/L:$400 Applied Bank - 0 balance C/L: $2200.00 Scores around that time FICO: 732 (EQ), 735 (TU) (EX unknown) As you can see I had some of the worst cards for annual fees known to man. Then I found this club. I listened and learned. I closed the low limit cards, gained an Amex BCP in 12/2011, Barclays 03/2012, and Walmart Discover 04/2012. My current scores are in my siggy. Tinu really helps so many with this club. I haven't quite reached my goal but I have gotten to a comfortable spot. I still have an old 30 day late that I can't get removed. But even with a derog, I have still managed to keep moving up. I really have to give thanks to everyone here and a special thanks to Tinu for creating this post.
Wallet: Barclays Rewards MC-16k, Amex BCP-15k, Citi Forward V-sig-12.5k, Walmart MC - 7.5k, Amex ED-5k, Chase Freedom-6k, Target Visa- 1.5k
As of: 05/13/2015
Message 245 of 338
Established Member

Re: Garden Club Meeting - October 2012

2 months in. 

Fico score: TU: 684 Date 8/8/2012 EQ : 647 Date 8/25/2012
EX: 651 Date 7/21/2012
Wallet: CAP one: 300 // AMEX Zync: 500
Garden since 8/18/12
Goal: 750 across the board

Message 246 of 338
Frequent Contributor

Re: Garden Club Meeting - October 2012

Today was 6 months from my previous CLI on 2 cards so I went online and requested another round.  I can confirm that AMEX Canada policy is that the CLI can be up to 50% every 6 months.  Between the 2 cards, I received an additional $8k of CL so I am at $79k total now on 5 cards.  2 Cards are reporting balances, <8% total utilization and dropping each month.  I am looking to be debt free on or about April Fool's Day.  Smiley Very Happy  I just sitting back and chillin' until next summer/fall.

 

Pass me another beer and strudel...  I'll be silver spade in a few days.


Starting Score: 732 October 2007; Current Score: EQ 836; TU 806, November 2017; Oldest Reporting EQ Account: 15.8 years; EQ AAoA: 8.0 years; Typical credit utilization 1.8% typical single card utilization 10.6%
Message 247 of 338
Moderator Emeritus

Re: Garden Club Meeting - October 2012


tonyaether wrote:
Well I have officially earned my gold spade! Woo Hoo! Trying to keep everything clear until next year. I may do a re-fi on the house but not sure. Whatever the case might be gardening has done wonders for my credit profile and I am thrilled! Happy gardening everyone!

 

Congratulations! Looking good!!! 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 248 of 338
Moderator Emeritus

Re: Garden Club Meeting - October 2012


armbenderc wrote:

I made it!

 

Over 1 month of gardening LOL. It's really hard.


 

Congratulations! Please feel free to pick up your bronze spade from the link on the opening post of this thread. 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 249 of 338
Moderator Emeritus

Re: Garden Club Meeting - October 2012


tonyaether wrote:
Thank you creditnocash! I have come a ways in a year. This was my line-up last year around this time: Citi - $5000 balance C/L: $9600 limit Chase Freedom - 0 balance C/L:$3000 Target Visa- 0 balance C/L: $1500.00 Care Credit - 0 balance C/L:$5400 First Premier - 0 balance C/L: $1100 HHB MC- 0 balance C/L: $800 HHB Premier Visa - 0 balance C/L:$400 Applied Bank - 0 balance C/L: $2200.00 Scores around that time FICO: 732 (EQ), 735 (TU) (EX unknown) As you can see I had some of the worst cards for annual fees known to man. Then I found this club. I listened and learned. I closed the low limit cards, gained an Amex BCP in 12/2011, Barclays 03/2012, and Walmart Discover 04/2012. My current scores are in my siggy. Tinu really helps so many with this club. I haven't quite reached my goal but I have gotten to a comfortable spot. I still have an old 30 day late that I can't get removed. But even with a derog, I have still managed to keep moving up. I really have to give thanks to everyone here and a special thanks to Tinu for creating this post.

 

That is so sweet of you, thank you so much for your kind words! Smiley Happy

 

(ETA) I love hearing other peoples' success stories. It's wonderful to have a bunch of people to hang out with on these forums who can help cheer each other on! You've done a fine job and I wish you and everyone else continued success!

 


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 250 of 338