Garden Club Meeting - September 2012

[webhopper]

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@DaveSignal wrote:

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@webhopper wrote:

@Anonymous... Why not put your chip on the right and your spade in the left. Your html coding stays the same but you swap the img src web addresses

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Thanks, yes I know how to move the images, but the html offered for the sig blcok is limited.  I think I will try this new look for a little while though.  Thanks for the idea!

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Duh! I should have known you knew how to swap around the images. I like the new look!

[NikJ4]

Day 46 for me. I am missing seeing the LUV bottom and applying for the sake of personal gratification but I know I need to get a handle on my credit portfolio now that I am about to start actively pursing the purchase of my net home. I now am trying to get my DTI down on all bills to 0 except for 1 card I will carry a balance where my payment is $25 monthly. I think I do better when I have a true goal. So my goal is to stop the charging and pay down everything. I would like to get some increases on my current credit cards but I will not apply for anything else until next year (mid yr) at the earliest.

Nik J

[DaveSignal]

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@Roarmeister wrote:

 It might be a stretch it get all my scores (including FAKO) above 800 but I will get it my best shot.

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You are pretty much there already if you scores in your sig are correct.  What FAKOs are you trying to ge that high?  And for any reason?  I would like to see my CK score a little higher, for no other reason than to humor myself....  but I would need probably another two years on my currently open accounts to get rid of the CK AAoA hit I am taking now.  FICO doesn't care about this, however, so I am not overly concerned about it.

[jamie123]

Gardening works!!!!

I've been in the garden for 3 days and my EQ score just went up 9 points!

So lets see.....Is this how it works?.....9 points in 3 days.....90 points in September?

(Don't I wish!)

[webhopper]

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@jamie123 wrote:

Gardening works!!!!

I've been in the garden for 3 days and my EQ score just went up 9 points!

So lets see.....Is this how it works?.....9 points in 3 days.....90 points in September?

(Don't I wish!)

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Congrats on your score increase!  Gardening definately does work.  I have seen the results myself. I've gotten 2 Auto CLIs since I began gardening, and it feels great!  I'm looking forward to seeing what the next year brings as my inquiries start aging off and some baddies start aging off  

[TNTransplant]

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@NikJ4 wrote:

Day 46 for me. I am missing seeing the LUV bottom and applying for the sake of personal gratification but I know I need to get a handle on my credit portfolio now that I am about to start actively pursing the purchase of my net home. I now am trying to get my DTI down on all bills to 0 except for 1 card I will carry a balance where my payment is $25 monthly. I think I do better when I have a true goal. So my goal is to stop the charging and pay down everything. I would like to get some increases on my current credit cards but I will not apply for anything else until next year (mid yr) at the earliest.

Nik J

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Hey Nik J!

Are you still working on the school stuff?  

Mine is going well - overwhelming, but still on track to be done in 4/13.

[severine]

Whew! I am in the garden and am asking to be tied to a tree so i don't leave for the next several months! I have achieved everything I wanted to do in the past two weeks and need to cool it. In the past two weeks I have:

-axed my toy limit Cap One and Optima oasis card

-acquired a Chase Freedom and Chase Sapphire Preferred

-acquired an Amex Delta and an Amex BCP (yay just approved tonight after a week's wait, still don't know the CL)

-obtained a CLI from 5k to 7k on my BoA card

That's pretty good, wouldn't you say? Time for a break.

I am sure that my FICO score will take a hit after all of this commotion, but I achieved what I set out to do and now need to cool my jets. Thanks to everyone who has given me such great advice on this board.

[j_casteel]

2 days=bronze

[charyot77]

I'm in the Garden. 

I was denied for a Chase Freedom card back in May, but today I was approved for an Amex Zync and a Blue!

Now it's time to trim the fat (subprime, annual fee cards).

[trumpet-205]

At this point I'm pretty much done. My future plan is to get my US Bank Cash Reward CLI into $5K and PC into Cash+. If I can do that, then I will also

* Get my BofA Cash Reward PC into Travel Reward (not asking for CLI knowing that BofA does HP for CLI).

* Apply for Target CC (right now I have the debit card version).

If I cannot get my US Bank CC into Cash+, I might consider applying Chase Ink Classic. But that won't happen until 2013.

Currently I SD my Citi Dividend, and soon my PayPal CC. Also managed to PC my Freedom Visa into Freedom MC.