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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 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
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