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myjourney
Posts: 26,659
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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:

T-2 

And you have behaved very well indeed.

NASA space shuttle newbiewife has been place on the launch pad and all systems are go for liftoff:smileyhappy:

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


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myjourney
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Re: Garden Club Meeting - September 2013


creditnocash wrote:

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. 


3 months is a cakewalk for you 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Community Leader
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myjourney
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Re: Garden Club Meeting - September 2013


newbiewife wrote:
Thanks and ill make sure I'll behave or else myjourney will hunt me down. :smileyworried:

My reputation precedes me:smileysurprised:

But you're right Lol

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


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FocusedAndDetermined
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Re: Garden Club Meeting - September 2013

Well, I have an early morning tomorrow to return my DD to campus, so I'm signing off for the night.

 

Everyone have a happy, healthy and safe Labor Day weekend.  If I'm not to wiped out I will pop in tomorrow.

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FocusedAndDetermined
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Re: Garden Club Meeting - September 2013

@myjourney

 

Looks like you will be on your own for a bit, bt I know you can handle it.:smileywink:

 

Send up a flare if anyone steps out of line.

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myjourney
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Re: Garden Club Meeting - September 2013


FocusedAndDetermined wrote:

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.


Looking at your scores and knowing you are giving it your all I see nothing but success BRAVO

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


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FocusedAndDetermined
Posts: 6,446
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Re: Garden Club Meeting - September 2013


myjourney wrote:

FocusedAndDetermined wrote:

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.


Looking at your scores and knowing you are giving it your all I see nothing but success BRAVO


Thanks, journey.

 

Have a good night.

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myjourney
Posts: 26,659
Registered: ‎02-07-2013
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Re: Garden Club Meeting - September 2013


SunriseEarth wrote:

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.

 

 


It's good to have goals in the garden it makes dreams come true...........keep up the good work

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Established Contributor
hot4u
Posts: 789
Registered: ‎04-21-2013
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Re: Garden Club Meeting - September 2013


myjourney wrote:

FocusedAndDetermined wrote:

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.


Looking at your scores and knowing you are giving it your all I see nothing but success BRAVO


Congrats.. Hope some day to have your scores


(Chase)- Freedom, CSP®, United MileagePlus® Explorer, Marriott Rewards® Premier, Penfed cash+ rewards/Promise.
Amex’s- BCE, Hilton and SPG®, NFCU Cash Rewards, FHB Destinations World Elite.
(Citi)- Dividends Platinum Select, Executive/Platinum® Advantage,Hawaiian Airlines World Elite


Community Leader
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myjourney
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Re: Garden Club Meeting - September 2013


cabrix wrote:

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!


Welcome to the garden and the forum

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13



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