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Frequent Contributor
tonyaether
Posts: 341
Registered: ‎06-04-2011
0

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!

Current Scores: 08/2013 EQ - 779(FICO), TU98 - 783(FICO ), TU08-818(Walmart FICO),EX PLUS-775 (FAKO) Credit Sesame - 804 (FAKO)
Wallet: Barclays Plat. Rewards MC $8.9k,Amex BCP $9.1k, CitiForward Signature $11k, Chase Freedom $3k,Target Visa $1.5k, Walmart Discover 7.5k, Delta Gold Skymiles Amex $2k
GOAL: 800 ACROSS THE BOARD!!!!
Contributor
xboxrunner
Posts: 139
Registered: ‎05-30-2011
0

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. :smileytongue:


Experian (CreditSesame)- 823 (8/2/14), 761 (Citi-4/26/13), 823 (Credit.com-8/2/2014)
Equifax Fico (MyFico) Fico- 745 (7/15/11)
Transunion (Credit Karma)- 790 (8/2/14)
Vantagescore (Credit Karma)- 896 (8/2/14)
Vantagescore 3.0 (credit.com)- 805 (8/2/14)
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

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%
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

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 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Frequent Contributor
tonyaether
Posts: 341
Registered: ‎06-04-2011
0

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.

Current Scores: 08/2013 EQ - 779(FICO), TU98 - 783(FICO ), TU08-818(Walmart FICO),EX PLUS-775 (FAKO) Credit Sesame - 804 (FAKO)
Wallet: Barclays Plat. Rewards MC $8.9k,Amex BCP $9.1k, CitiForward Signature $11k, Chase Freedom $3k,Target Visa $1.5k, Walmart Discover 7.5k, Delta Gold Skymiles Amex $2k
GOAL: 800 ACROSS THE BOARD!!!!
Established Member
Iamvee
Posts: 16
Registered: ‎07-10-2012
0

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

Frequent Contributor
Roarmeister
Posts: 333
Registered: ‎04-21-2012
0

Re: Garden Club Meeting - October 2012

[ Edited ]

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.  :smileyvery-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.

AMEX_PlatinumBMOWorldMCCapOnePlatinumMBNA_Platinum+ScotiaMomentum
____$25k_______$20k_______$20k_______$25k_______$25k____
Starting Score: 676 Feb 2008; Current Score: 791 EQ; 824 CA, Dec. 2014; TU 814, Oct. 2014; Goal Score: 800 by end of year Oldest Account reported by EQ: 12 years; EQ AAoA: 5.8 years; EQ Credit Utilization: 1.9%
Moderator Emeritus
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
0

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!!! :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: 4,875
Registered: ‎11-02-2010
0

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. :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: 4,875
Registered: ‎11-02-2010
0

Re: Garden Club Meeting - October 2012

[ Edited ]

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! :smileyhappy:

 

(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

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