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Valued Contributor
Posts: 1,951
Registered: ‎08-13-2007
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Re: Garden Club Meeting - October 2012


tcbofade wrote:

TNTransplant wrote:

tcbofade wrote:

Howdy, howdy boys and girls.

 

Today is only the first of the month, and I'm #42 to post???

 

YAY Y'all!

 

Last app in my signature...I'm creeping up on 60 days app free:smileyhappy:


Good for you!  :smileyhappy:

 

How's the payoff plan working?


Slowly but surely.  We've still got ten accounts paid to zero, and I'm hoping to get another one paid off this month so that we can stay ahead of schedule...

 


Excellent! Good for you and keep that train rolling!

 

PS: Still have not shaved my legs...   :smileyvery-happy: :smileytongue:

Ray

** Every Card has a Job, and Every Card does its Job **

Established Contributor
Posts: 772
Registered: ‎01-03-2012
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Re: Garden Club Meeting - October 2012


RockinRay wrote:

tcbofade wrote:

TNTransplant wrote:

tcbofade wrote:

Howdy, howdy boys and girls.

 

Today is only the first of the month, and I'm #42 to post???

 

YAY Y'all!

 

Last app in my signature...I'm creeping up on 60 days app free:smileyhappy:


Good for you!  :smileyhappy:

 

How's the payoff plan working?


Slowly but surely.  We've still got ten accounts paid to zero, and I'm hoping to get another one paid off this month so that we can stay ahead of schedule...

 


Excellent! Good for you and keep that train rolling!

 

PS: Still have not shaved my legs...   :smileyvery-happy: :smileytongue:


And we're all very happy that you've not... :smileyvery-happy:


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Valued Contributor
Posts: 1,951
Registered: ‎08-13-2007
0

Re: Garden Club Meeting - October 2012


TNTransplant wrote:

RockinRay wrote:

tcbofade wrote:

TNTransplant wrote:

tcbofade wrote:

Howdy, howdy boys and girls.

 

Today is only the first of the month, and I'm #42 to post???

 

YAY Y'all!

 

Last app in my signature...I'm creeping up on 60 days app free:smileyhappy:


Good for you!  :smileyhappy:

 

How's the payoff plan working?


Slowly but surely.  We've still got ten accounts paid to zero, and I'm hoping to get another one paid off this month so that we can stay ahead of schedule...

 


Excellent! Good for you and keep that train rolling!

 

PS: Still have not shaved my legs...   :smileyvery-happy: :smileytongue:


And we're all very happy that you've not... :smileyvery-happy:


:smileyvery-happy:

 

Ray

** Every Card has a Job, and Every Card does its Job **

Established Contributor
Posts: 666
Registered: ‎09-12-2011
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Re: Garden Club Meeting - October 2012

I really thought that yesterday (October 1st) I would be brandishing a new bronze spade.  My last app was for a new car purchase on August 31st.  Yesterday I received an email from Costco promoting the Amex Costco TE card with a $50 offer if you spend $500 in 90 days.  This is the second time in two months that I have received an email about this card.  Sadly, I went for it.....and so now the clock has been reset for the bronze spade acquisition.

 

Gardening......day 1.

FICOs: TU08 841 2/9/15 per Barclay; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 808 2/10/15; EX 801 2/5/15 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $19.3K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $10K; Citi Simplicity Visa $17.3K; Discover IT $24K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Valued Contributor
Posts: 2,262
Registered: ‎07-23-2012
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Re: Garden Club Meeting - October 2012


CribDuchess wrote:

I really thought that yesterday (October 1st) I would be brandishing a new bronze spade.  My last app was for a new car purchase on August 31st.  Yesterday I received an email from Costco promoting the Amex Costco TE card with a $50 offer if you spend $500 in 90 days.  This is the second time in two months that I have received an email about this card.  Sadly, I went for it.....and so now the clock has been reset for the bronze spade acquisition.

 

Gardening......day 1.


well costco is a great card to have ontop of all the other amex's =) 

 

gotta start somewhere right? 

 

 

no inquries but my score did drop. amex reported (0 balance charge card) but i took the aaoa hit. 

on the other hand i got a soft cli on walmart from 800 to 3k cant wait till that reports. 

now i can charge even more to pif before it reports....

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


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

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
New Contributor
Posts: 84
Registered: ‎08-13-2012
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Re: Garden Club Meeting - October 2012

1 1/2 months since I've last apped.... Man, I want to so bad now, but I'll wait, especially with all my recent inq's... hmm, I Can't help but think that if my car still hasn't reported in december I may try for one more unsecured cc and kill capitol one.




Staring Scores:Transunion-636 Equifax-618 Experian- 640 (8/12):
Current Scores:Transunion-717 Equifax-(?) Experian 726(as of 11/18/13):

Goal 760 Across the Board:







Regular Contributor
Posts: 190
Registered: ‎10-22-2010
0

Re: Garden Club Meeting - October 2012

I'm still here. Been gardening since May 2012, think I may be leaving this month for the American Airlines cards from Citi. We'll see.

What's In My Wallet:American Express Starwood Preferred Guest Business Card, American Express Costco True Earnings, Citi AA Visa, Chase Freedom
What's In My Sock Drawer: American Express Starwood Preferred Guest Card, Chase Sapphire Preferred, Citi AA AmEx, Chase United Mileage Plus Explorer Card, Barclays US Air, Discover More, Bank of America Accelerated Rewards AmEx, Citi Dividend Platinum Select, LEM FCU Visa, SME FCU Visa
Established Member
Posts: 54
Registered: ‎07-10-2012
0

Re: Garden Club Meeting - October 2012

I'm  in the gaden, working on lowering my inquiries.

 

Exp: 4 - all of these are from 2011 (july - December)

 

Equ: 7-  3 are dated 12/2011, 4 are dated between 6/2012 -7/2012

 

TU:5 - 3 are dated 12/2011,  2 are dated 6/2012 & 7/2012



Fako Ex: 743, Fako Eq: 734 Fako TU: 748
I'm BACK in the Garden (App free since 01/02/2013)

Regular Contributor
Posts: 167
Registered: ‎09-07-2012
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Re: Garden Club Meeting - October 2012

FAKO score went up by 7 with the Addition of the Wifes Slate to my card.  I am still waiting for the Cap1 to show up.  I will be right up 30% with the debt/credit.  So down up goes the debt and up the credit. 

Cap1Secured $700 | Chase Slate $700 | Amazon Store $5000 | Discover IT $7000 | Lowe's $8000 | AmEx BCE $20000 | Freedom $3000
November 2014 (myFICOs): Equifax 717 TransUnion 725 Experian 717
January 2014 (myFICOs): Equifax 675 TransUnion 661 Experian 723
Valued Contributor
Posts: 1,572
Registered: ‎09-15-2012
0

Re: Garden Club Meeting - October 2012


apandabear wrote:

Still in the garden. Been here since May 15th of this year. Sometimes it's hard, but there are many good reasons for staying put.

 

I finished SL rehab in late September!! I wonder if getting my loans assigned to a lender will lead to HPs..? I sure hope not!! Either way, that was my last piece of rebuilding (gave up on GWs). Once my SL gets picked up again, every open account I have will be current. Everything closed would have a paid balance. No delinquencies! 

 

Come November/December, I might choose to leave the garden... But this was planned. I will be purchasing a car, and while I haven't decided if I'm going new or used, I'm leaning toward new. By November I will have $8k cash in the bank for downpayment. Selling my clunker (privately) I hope will get me $2k. So that's $10k for downpayment on my dream car (2012 Toyota hybrid, haha). On the other hand, that would buy me a not-so-POS used car, owned outright. Decisions, decisions.

 

Not looking at app-ing for anything else this year. When I do go car shopping, I plan on getting all my apps in within a 2-day time frame.


I know this is a late reply, but those new loans may or may not lead to HPs, but they will likely lead to new accounts on your credit report.  Depending on what is reported for open date, it may actually help your AAoA, albeit artificially.  Good luck with continuing your credit journey, and make sure to tell us all about the new car in the auto forum (regardless of new or used).


In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014

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