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Valued Contributor
Posts: 2,266
Registered: ‎07-23-2012
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Re: Garden Club Meeting - September 2013


tinuviel wrote:

creditnocash wrote:

good luck too both of you! 

on my 9th  month of garedning on sep 5th! woo 

just passed my inq mark. meaning no inquries for anything in the past year! 

 

ill be working on cutting utility! January is right around the corner! (also my first batch of inquries that fall off 1 in jan/4 in feb) 

 

good luck everyone, i know you can do it! 


That's wonderful! Great job, and keep up the good work!


thanks, im on the fence about apping it/ or a 18 month promo for a citi bt, they both sending me good offers. but might just duke out the interest until jan. (whats 3 months...) and focus on getting all my cards too 0 except that one. 

Current: Discover Fico 701 3/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 5 TU 1 EX 1 | Most Recent: 03/23/2015
Over 12 Months:6


2014 Goals:
Lower Utility
15% right now, but going up soon :smileysad:
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6400
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
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Re: Garden Club Meeting - September 2013


newbiewife wrote:
I think I'm going to have a bronze spade on the 2nd of sept. Hmmmm if I behave :smileylol: need to behave :smileyhappy:

You can do it... you're so close!


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Regular Contributor
Posts: 185
Registered: ‎07-18-2013
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Re: Garden Club Meeting - September 2013

Thanks and ill make sure I'll behave or else myjourney will hunt me down. :smileyworried:
:heart: trying to reach 800! :heart:
Gardening till 12/14 :smileytongue:
Senior Contributor
Posts: 7,010
Registered: ‎01-05-2013
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Re: Garden Club Meeting - September 2013


tinuviel wrote:

FocusedAndDetermined wrote:

tinuviel wrote:

BearsAndTurtlesRtheBest wrote:

I get my bronze spade on the 3rd cant wait!!!!


I get my gold the following day, on the 4th. Looks like a good week coming up for us both. :smileyhappy:


WTG - never a doubt that you would reclaim your status.


Thanks. I'm also thrilled that my scores have bounced not only back, but also higher, after every stint of gardening. For example, a year ago on  August 24 I apped for four cards; my EQ score was 723. After the app spree and all of the cards reported, I dropped down to the upper 600s -- ouch! But I bounced back, and when I did my final bit of apping on March 4 of this year, my EQ score was 766. Again, after everything reported, I fell down to 734. Now that I've sat back and allowed things to age, I'm up to an EQ of 772! I imagine my scores have or soon will reach a plateau, but I'm very happy with where I'm at. It's a long, long way from where I started this journey. Using cards responsibly coupled with spending meaningful periods of time in the garden have really paid off.


Well, you certainly are inspiring and encouraging!

 

I don't know where my scores were after I filed bk7 in 07; I was too afraid/depressed to look.  I figured I was dead in the water for 10yrs.  I was able to get 1 CC in 08, a WaMu platinum Visa, and that was all I had for years.  Applied for one or two cards, but was denied.  Sat back and was bascially cash-and-carry for a good stretch of time. 

 

Since joining myfico in Dec '12, I have obtained 5 new cards after PCing my Chase Visa to a Freedom.  Now, I'm quite content to nurse my Discover, Barclay MC and VS.  (The other two don't get much use.)  My current scores range between 730 and 765.  I want to get, at least 1 score, to 800.  So, in the garden I stay until the dust begins to settle.

Senior Contributor
Posts: 7,010
Registered: ‎01-05-2013
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Re: Garden Club Meeting - September 2013

[ Edited ]

EDIT: Hit post in stead of quote. Ooops.


newbiewife wrote:
I think I'm going to have a bronze spade on the 2nd of sept. Hmmmm if I behave :smileylol: need to behave :smileyhappy:

I know you are going to get that bronze!  Stay garden strong.

Moderator
Posts: 5,624
Registered: ‎08-12-2013
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Re: Garden Club Meeting - September 2013

September should be a good month for me to garden, as I WILL get that bronze this month!    August saw three new TLs for me (that darn Shopping Cart trick led to two of those) with Wal-Mart, VS, and Gold Violin (Blair).  I figured with their proximity, they can alll age and grow together.  

 

My specific goals for September are no apps/new TLs and continue to push UTIL down. (currently 30% overall).  The one I really want paid down the most is Credit One.  I need to close that thing!  But that will take some time.

 

October will hopefully see a good CLI to my JCP card when I hit the love button.

 

 

Start: 619 (Wally, 9/2013) | Current: 739 (Wally, 3/2/15), 756 (Merrick, 2/16/15)
AMEX BCE $13500 | Care Credit $10200 | JCP $8000 | Overstock $5200 | Citi DC WMC $5000 | Walmart Store $5000 | Amazon Store $5000 | Cap 1 QS $4750 | AMEX Costco TE $3500 | Macy's AMEX $3500 | Sony Card $3250 | Macy's Special Events $2900 | Macy's Revolving $2500 | CU Visa $2500 | Gold Violin $1750 | VS $1450 | Merrick $1200 | Target $1000 | ~~Gardening Since 3/17/15
Regular Contributor
Posts: 230
Registered: ‎03-21-2012
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Re: Garden Club Meeting - September 2013


FocusedAndDetermined wrote:

tld409 wrote:

Yet again back to seeding:smileyembarrassed: I have to stay focused and at least make it to the Gold. 


We're here to support you!


Thanks FocusedAndDetermined! :smileyhappy:

Starting Score 630 Score: Current FICO Scores: All above 700 (02/01/2015)
Sallie Mae World MC 5k; Chase Freedom 6.5k; CareCredit 13.2k; Amex BCP 21.8k;Amex PRG; BOA123 Visa Sig 20k; CapOne WMC 7.5K; CSP Visa Sig 2K; Citi Simp Visa 6.9k; CFCU Visa 17k; Discover IT 4K; JCP MC 8K; Macys Amex 7.5K/2k; PSECU Visa/PSL 20/20K; SamsClub MC 20k; Walmart 10k
New Member
Posts: 4
Registered: ‎10-27-2012
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Re: Garden Club Meeting - September 2013

I'm going to have to garden soon, I've had 3 new cards this past week, and its becoming addictive. Luckly I have SOME self control lol. Starting tomorrow, Sept 1st, I will no longer app for any new credit cards!

Regular Contributor
Posts: 230
Registered: ‎03-21-2012
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Re: Garden Club Meeting - September 2013

Congrats to all who have made it or remain on the path to reaching personal goals and spades! I know we all can do it with the help of our gardening friends. :smileywink:

Starting Score 630 Score: Current FICO Scores: All above 700 (02/01/2015)
Sallie Mae World MC 5k; Chase Freedom 6.5k; CareCredit 13.2k; Amex BCP 21.8k;Amex PRG; BOA123 Visa Sig 20k; CapOne WMC 7.5K; CSP Visa Sig 2K; Citi Simp Visa 6.9k; CFCU Visa 17k; Discover IT 4K; JCP MC 8K; Macys Amex 7.5K/2k; PSECU Visa/PSL 20/20K; SamsClub MC 20k; Walmart 10k
Valued Contributor
Posts: 1,094
Registered: ‎03-23-2012
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Re: Garden Club Meeting - September 2013

Just checking in for the month of September.

One more month and I begin my home buying journey....I'm nervous already!!!!
Capital One QuickSilver 5K - AmEx Green NPSL - Amex Hilton HHonors Surpass 7K - Amex BCP 16K - Chase Freedom 4.5K - Discover IT 7.5K - LOC 2.5K
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