09-06-2012 08:02 AM
I recently applied for a personal loan for half the cost of a new roof. Hopefully I will not need to apply for anything else for at least one year. I love gardening.
09-06-2012 08:20 AM - edited 09-06-2012 08:20 AM
Joining the Garden Club- App free since Aug 30, 2012. Counting down to badge 1: Bronze Spade
09-06-2012 09:28 AM
Howdy, howdy boys and girls. I'm two days away from Bronze...no itchies yet...
09-06-2012 02:06 PM
Earned my bronze spade!!
09-06-2012 04:42 PM
Well, I had planned to stay in the Garden until my scores were high enough to get a mortgage. I just received confirmation that my only neg CA is being removed so my score may jump up faster then I expected. I'm not sure I'll even qualify for the Bronze, but if it means I get my wife the house she wants, then so be it. I'll be back in the garden after the home goes through.
09-07-2012 04:05 AM
Alright, it's time for me to do some gardening. I went app happy, and it was a great spree, but definitely time to stop. Need to age the new items, and enjoy the growth that I saw recently with the older ones, and prune a bunch of those store cards. Won't be apping for a loooooooong time! Or at least I hope I'm not tempted to.
09-07-2012 04:41 AM
The garden is great ! What we learn here can be used to help others as well. Just today I was talking to my friend who is going to try and finance a bike in december.. We chatted about scores history and cards and so on I came to the point that b4 the app he should work on getting his limits up. We called WellsFargo on the spot and asked for a SP CLI, the rep called it a "internal" look at accounts and payment history he was not approved for the 800 he wanted but a CLI of 500. We did not even try With his other card Capone. So hes got a capone 1000 and wells cash back 1700 walmart 700 3 inqs in the last 6 months 4 inqs in the last 2 years. He is going to call Wellsfargo after be pays blance off of 900 next month and ask for another "internal" CLI.
wallmart puts his TU at 671
09-07-2012 05:12 AM
Opened an AmEx SPG and a Chase United MP in May and have gardened since. Was tempted last month to open an AA card however I held off. Hoping to sell my place and want to be in a prime place for another mortgage. Feels good to garden.
09-07-2012 08:51 AM
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.