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Garden Club Meeting - September 2013

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Regular Contributor

Re: Garden Club Meeting - September 2013

I'm 6 (well, 7 now) months in now and haven't had any urges to app. I don't know what my current score is, just that my CK and CS have gone up. Focused on my new job and school so I think I'm good for a while.

Current Cards: AMEX Everyday ($15k), AMEX BCE ($20k), Amex Platinum, Arrival ($11.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($6.5k)

2/16 - 864 Fico EQ (CITI); 818 Fico Ex (AMEX)
Message 1451 of 4,450
Moderator Emerita

Re: Garden Club Meeting - September 2013

@ceemee2203

You are doing great! Looks like keeping busy is working well for you.
Message 1452 of 4,450
Senior Contributor

Re: Garden Club Meeting - September 2013


ceemee2203 wrote:

I'm 6 (well, 7 now) months in now and haven't had any urges to app. I don't know what my current score is, just that my CK and CS have gone up. Focused on my new job and school so I think I'm good for a while.



WTG, that's awesome Smiley Happy

Message 1453 of 4,450
Senior Contributor

Re: Garden Club Meeting - September 2013


simi_go wrote:

Irisa wrote:

Do account upgrades reset my garden dates?  I want to work on getting rewards and CLIs on my Capital One accounts, but I want to double check before the gators come after me Smiley Happy



As long as it does not require a HP or create a new tradeline you should be ok.  By the way I have arrived in the garden.  Looks like I am doing about a 3 month stint Smiley Wink


Welcome to the garden Smiley Happy

Message 1454 of 4,450
Regular Contributor

Re: Garden Club Meeting - September 2013

I'm a seedling again. Mean NFCU dragged me kicking and screaming to app and approve for a gorewards card. I now have zero days ap free.
Message 1455 of 4,450
Frequent Contributor

Re: Garden Club Meeting - September 2013

it seems my app addiction is waning. i have no urges to app, am i normal? Man Embarassed


If a man empties his purse into his head, no one can take it from him. An investment in knowledge always pays the best interest. - Benjamin Franklin |Capital One Quicksilver Cash Rewards|Chase Amazon Visa Rewards|BOA Cash Rewards|Walmart Mastercard|Commence MC| Citi Double Cash| Amazon Prime Store Card|Discover It|Chase Freedom|Chase Freedom Unlimited|Amex BCE|Wells Fargo Cash Wise|Barclays Cashforward
$83,300 total card credit FICO Equifax-803, FICO Transunion-791, FICO Experian-771 , DTI-3.4%
Message 1456 of 4,450
Valued Member

Re: Garden Club Meeting - September 2013

1 month in the garden today!! yay

Entered Garden 6/3/2014, Staying until Jun 2016. Score 797 via Discover
Chase Freedom 0/$3000, Amex BC 0/$5000, Wells Fargo 0/$2400, Amazon 0/$5000, Discover IT 150/$4800, Walmart Mastercard $0/$5000, Barclay NFL AZ Cardinals 0/$5000
Message 1457 of 4,450
Regular Contributor

Re: Garden Club Meeting - September 2013

So, logged into CK this morning to update my score (I know its a FAKO, but its a nice way to monitor my progress, to a degree) and it jumped a whole 17 points after my app spree. What?!?!?!? The reason it jumped so much is due to TU as of right now only reporting my $500 Cap1 card which had about $230 on it. So, 47% util down to 0 makes my score go up 17 points. Nice

 

Hope everyone is good. This is my check in for the day


In the garden as of 2/22/2015
Scores:
TU: 753 (Discover FICO 7/2014) EQ: 721 (FICO 4/2014) EX: 723 (FICO 3/2014)
Age: 21
Message 1458 of 4,450
Contributor

Re: Garden Club Meeting - September 2013

Hello!  I am officially declaring myself in the Garden!  Before this week I had only one CC, a secured BOA with a $500CL, which I opened in June.  This week I was instantly approved for a Chase Freedom with a $3000CL and yesterday I was approved (I had to call in to verfiy address) for a Discover It card with a $4500CL!!  I'm still waiting for one collection to be removed from my TU CR, which the CA said they would remove.  I do not plan on applying for any new credit until June 2014, as of now I'm eyeing the AMEX BCE.  

 

So far...

AAoA - 3.2 yrs (which im sure will fall dramatically due to the 2 new CCs)

Collections - EX - 0, EQ - 0, TU - 1 (soon to be 0)

Inqs - EX - 3, EQ - 1, TU - 2

9% utlization (which will shrink alot due to new CCs)

0 PRs

About 14.5K in SLs which are currently in repayment

 

Things are falling into place for 2014 to be a great year!

Almost rebuilt, I started in the beginning of last month!

 

THANK YOU MYFICO!!!



Starting Score: EQ FICO 673 TU FAKO 641
Current Score: EQ FICO 740, EX FICO 748, TU FICO 722 (Discover)
Goal Score: All 730+ FICOs


Take the myFICO Fitness Challenge
Message 1459 of 4,450
Senior Contributor

Re: Garden Club Meeting - September 2013


Steelersboy wrote:

it seems my app addiction is waning. i have no urges to app, am i normal? Man Embarassed


Yup, it's normal.. it does get easier with time Smiley LOL

Message 1460 of 4,450