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Garden Club - November 2017

Valued Contributor

Re: Garden Club - November 2017

Alright, my extra monies for a one month subscription. Plus, I'll get another score update when the Target card hits my reports. 

 

Equifax - 672

TransUnion - 680

Experian - 680

 

I'm a little dumbfounded by the TransUnion score, the old medical collection is still showing and it's still missing my entire discount tire account. Different criteria?  Auto 8 is 681-704, so I'm thinking of trying for [redacted] and the [redacted] Friday. 

 

Edited: duh, THIS IS THE GARDEN!! 😁

Gardening until June 2018

Starting FICOs: EX 623, EQ 589, TU 600 (06/10/17)
Current FICOs: EX 708, EQ 689, TU 681 (02/21/18)
1st Goal FICOs: EX 750, EQ 750, TU 750 (??/??/??)
Message 1431 of 2,866
Senior Contributor

Re: Garden Club - November 2017

Just "unmaxed" three more.  Smiley Happy


Gardening since 10 Jan 2018. Gardening until I hit 700 or 15 April. Whichever comes first. Smiley Tongue
Zero percent financing is where the devil lives...
10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
01/01/18 Fico8 scores: EX 655, EQ 661, TU 650
Message 1432 of 2,866
Senior Contributor

Re: Garden Club - November 2017


Adkins wrote:

Alright, my extra monies for a one month subscription. Plus, I'll get another score update when the Target card hits my reports. 

 

Equifax - 672

TransUnion - 680

Experian - 680

 

I'm a little dumbfounded by the TransUnion score, the old medical collection is still showing and it's still missing my entire discount tire account. Different criteria?  Auto 8 is 681-704, so I'm thinking of trying for [redacted] and the [redacted] Friday. 

 

Edited: duh, THIS IS THE GARDEN!! 😁


LOL!  Nice catch.  Smiley Happy

 

...and you should be fine.  Good luck!


Gardening since 10 Jan 2018. Gardening until I hit 700 or 15 April. Whichever comes first. Smiley Tongue
Zero percent financing is where the devil lives...
10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
01/01/18 Fico8 scores: EX 655, EQ 661, TU 650
Message 1433 of 2,866
Established Contributor

Re: Garden Club - November 2017

Resetting the Garden Clock - Refinancing the car, and my bank just pulled TU

 

Good news though

 

my 301/mo 54 month 22.9 APR car loan is going to become a 235/mo 36 month 3.9 APR

 

So its worth it.

In the garden since 01/24/18 = Last FICO Update: 02/07/18 = EX 663 = TU 667 = EQ 723 = Everything is better with cowbell.
Message 1434 of 2,866
Senior Contributor

Re: Garden Club - November 2017


tcbofade wrote:

Just "unmaxed" three more.  Smiley Happy


...and now, a few minutes later, I wish those lousy credit cards would cut new statements and report my new balances to Experian, Equifax, and Transunion so that I can get a new report and see if my scores have moved.

 

This, THIS is an example of the establishment holding me down.

 

...hmph...

 

Gardening is hard. 


Gardening since 10 Jan 2018. Gardening until I hit 700 or 15 April. Whichever comes first. Smiley Tongue
Zero percent financing is where the devil lives...
10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
01/01/18 Fico8 scores: EX 655, EQ 661, TU 650
Message 1435 of 2,866
Senior Contributor

Re: Garden Club - November 2017


TheCreditGame wrote:

Resetting the Garden Clock - Refinancing the car, and my bank just pulled TU

 

Good news though

 

my 301/mo 54 month 22.9 APR car loan is going to become a 235/mo 36 month 3.9 APR

 

So its worth it.


That is awesome!  Yay you!


Gardening since 10 Jan 2018. Gardening until I hit 700 or 15 April. Whichever comes first. Smiley Tongue
Zero percent financing is where the devil lives...
10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
01/01/18 Fico8 scores: EX 655, EQ 661, TU 650
Message 1436 of 2,866
Established Contributor

Re: Garden Club - November 2017

Alright, sig changed, but im keeping the cowbells =D

 

Dont worry, I put sapling in the description XD

In the garden since 01/24/18 = Last FICO Update: 02/07/18 = EX 663 = TU 667 = EQ 723 = Everything is better with cowbell.
Message 1437 of 2,866
Valued Contributor

Re: Garden Club - November 2017


tcbofade wrote:

Adkins wrote:

Alright, my extra monies for a one month subscription. Plus, I'll get another score update when the Target card hits my reports. 

 

Equifax - 672

TransUnion - 680

Experian - 680

 

I'm a little dumbfounded by the TransUnion score, the old medical collection is still showing and it's still missing my entire discount tire account. Different criteria?  Auto 8 is 681-704, so I'm thinking of trying for [redacted] and the [redacted] Friday. 

 

Edited: duh, THIS IS THE GARDEN!! 😁


LOL!  Nice catch.  Smiley Happy

 

...and you should be fine.  Good luck!


Thanks! 

Gardening until June 2018

Starting FICOs: EX 623, EQ 589, TU 600 (06/10/17)
Current FICOs: EX 708, EQ 689, TU 681 (02/21/18)
1st Goal FICOs: EX 750, EQ 750, TU 750 (??/??/??)
Message 1438 of 2,866
Valued Contributor

Re: Garden Club - November 2017


TheCreditGame wrote:

Resetting the Garden Clock - Refinancing the car, and my bank just pulled TU

 

Good news though

 

my 301/mo 54 month 22.9 APR car loan is going to become a 235/mo 36 month 3.9 APR

 

So its worth it.


That is absolutely fantastic, congratulations!!

Gardening until June 2018

Starting FICOs: EX 623, EQ 589, TU 600 (06/10/17)
Current FICOs: EX 708, EQ 689, TU 681 (02/21/18)
1st Goal FICOs: EX 750, EQ 750, TU 750 (??/??/??)
Message 1439 of 2,866
Community Leader
Super Contributor

Re: Garden Club - November 2017

Whats up with all this credit talk?
To obtain Credit One Kenobi status upon 0/24 is to Garden Harden!!
Message 1440 of 2,866