Garden Club Meeting - September 2012

[djrez4]

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@DaveSignal wrote:

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@djrez4 wrote:

Still here.  USAA tells me I'm at 712/699/699.  One more point on EQ and TU and I'll be at 700s across the board. 

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Those are not FICO scores, but welcome to the garden!

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I know, but I'm using it as a benchmark.  They may not be spot on to the real scores, but as the FICOs go up, the FAKOs do too.  They're also right in line with some lender pulls I received while shopping for the car loan.

And, thanks for the welcome!

[webhopper]

Well guys I finally got ex to remove an au account. I was an au on my DHs platinum until I realized I didn't need yet another newish tradeline bringing me below my aaoa of 6 yrs. So I removed myself and have gotten the tradeline removed on all 3 bureaus.

[rtw]

Day 1 in the garden. No apps until January. Really want the Amex BCP.

[j_casteel]

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@webhopper wrote:
Well guys I finally got ex to remove an au account. I was an au on my DHs platinum until I realized I didn't need yet another newish tradeline bringing me below my aaoa of 6 yrs. So I removed myself and have gotten the tradeline removed on all 3 bureaus.

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Awesome...i too am working on having myself removed as an AU on an old (2007) BoA card that became a paid CO. I called BoA and requested that I be removed and the lady said yes that is a good idea since it's not your card and you're not accountable for it, and she even suggested that I contact the CRA's to have them remove it from my CR's so it does not hurt my file.....that was my plan the whole time, lol.

Anywho, only 3 days left for my bronze spade!

[Radio_Radiation]

Hey everybody!

I'm just checking in ....

[drkaje]

Still in.

[germaine47]

Congratulations on the CLI Webhopper.  My goal is to stay in the garden until August 2013, I want to tend to my small sprouts.  Will keep applying on time pay fertilizer to my babies and see how much love I will get in a year.

[luvsandyshores]

Have been gardening since March.  I was pretty bummed when my score dropped to 603 because of high utilization.  That's the lowest it's been since I started keeping track!   But I've been working on it and today I got an alert that my EQ is back up to 654.  Hoping to make it through to December without letting the itchy finger get me!

[creditnocash]

day 3 in the garden. 

cant wait until 180 come up. 

in january my aaoa will be up by 6 months but no more inquries will be un active. but one does fall off. 

weird though i read my chase freedom acception letter and it said the reason i got a low limit was too many inquries? 2 of them were from them.... 

[tcbofade]

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@Autumnslight wrote:

Well, I got my bronze spade yesterday, and lost it today, LOL! But it was worth it. I tried for a CLI on my Discover card, and they couldn't approve it with a SP, so I let them do a HP. Ended up almost doubling my CL, from $3,200 to $6,200. That's a very nice addition to my little garden! So, I'm back to day 1 again now.

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Totally worth it.  Yay u!

Six days til Bronze...