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Valued Contributor
FocusedAndDetermined
Posts: 6,446
Registered: ‎01-05-2013
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Re: Garden Club Meeting - September 2013


CREDITSURFER wrote:

6 more days for my spade!!!!


Good job!  You've earned it.

Valued Contributor
FocusedAndDetermined
Posts: 6,446
Registered: ‎01-05-2013
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Re: Garden Club Meeting - September 2013


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! 


Great work!!

Valued Contributor
FocusedAndDetermined
Posts: 6,446
Registered: ‎01-05-2013
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Re: Garden Club Meeting - September 2013


Bluebonnet wrote:
Going for my bronze spade this month!!

First bronze, then silver, then gold, then...

Valued Contributor
FocusedAndDetermined
Posts: 6,446
Registered: ‎01-05-2013
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Re: Garden Club Meeting - September 2013


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!

Valued Contributor
FocusedAndDetermined
Posts: 6,446
Registered: ‎01-05-2013
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Re: Garden Club Meeting - September 2013

I will mark 2 mos in garden on the 7th.  Happy with my current cards, so I'll be hanging out here for a bit longer.:smileyhappy:

Senior Contributor
BearsAndTurtlesRtheBest
Posts: 3,694
Registered: ‎10-02-2012
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Re: Garden Club Meeting - September 2013

@FocusedandDetermined thanks!! and congrats on your 2 month in the garden

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tinuviel
Posts: 4,875
Registered: ‎11-02-2010
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Re: Garden Club Meeting - September 2013


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.


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
Moderator Emeritus
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
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Re: Garden Club Meeting - September 2013


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!


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
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Garden Club Meeting - September 2013


FocusedAndDetermined 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! 


Great work!!


gracias. 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Regular Contributor
newbiewife
Posts: 185
Registered: ‎07-18-2013
0

Re: Garden Club Meeting - September 2013

I think I'm going to have a bronze spade on the 2nd of sept. Hmmmm if I behave :smileylol: need to behave :smileyhappy:
:heart: trying to reach 800! :heart:
Gardening till 12/14 :smileytongue:

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