Reply
Senior Contributor
Posts: 7,362
Registered: ‎01-05-2013
0

Re: Garden Club Meeting - September 2013


CREDITSURFER wrote:

6 more days for my spade!!!!


Good job!  You've earned it.

Senior Contributor
Posts: 7,362
Registered: ‎01-05-2013
0

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!!

Senior Contributor
Posts: 7,362
Registered: ‎01-05-2013
0

Re: Garden Club Meeting - September 2013


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

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

Senior Contributor
Posts: 7,362
Registered: ‎01-05-2013
0

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!

Senior Contributor
Posts: 7,362
Registered: ‎01-05-2013
0

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
Posts: 3,914
Registered: ‎10-02-2012
0

Re: Garden Club Meeting - September 2013

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

Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

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
Posts: 4,875
Registered: ‎11-02-2010
0

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
Posts: 2,280
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 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6,400
Citi DC $10,000
Citizens Mastercard$7,000
Regular Contributor
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:
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.