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Garden Club - October 2014

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tcbofade
Super Contributor

Re: Garden Club - October 2014


@Anonymous wrote:

Thank you. I am definitely staying away because I see those approvals with scores lower than mine and I cringe. But i now know what must be done and will do so. Is there anyone to stay in touch via email in case I cant get here?


I will send you my email addy via PM in a few minutes.

 

Stay the course, gardening works.

 

I, too, am in that place where I CAN get approvals for cards that I don't want with toy limits that don't help.  I'll be gardening until that changes.  Smiley Happy

 

It SOUNDS difficult, but it really is as simple as, "DON'T APP"!

02/01/24 Fico 8: EX 757, EQ 803, TU 783.
Fico 9: EX 760 12/16/23, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 391 of 1,810
tcbofade
Super Contributor

Re: Garden Club - October 2014

Another $119 to throw against high util tomorrow.

 

I'm home, boys and girls, and ready for bed.

 

Good night!

02/01/24 Fico 8: EX 757, EQ 803, TU 783.
Fico 9: EX 760 12/16/23, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 392 of 1,810
sunkissed
Established Contributor

Re: Garden Club - October 2014


@tcbofade wrote:

Another $119 to throw against high util tomorrow.

 

I'm home, boys and girls, and ready for bed.

 

Good night!


Sleep well.  Good night!

NFCU Flagship $32K | NFCU Cashrewards $42K | Discover IT $39K | SECU Visa $20K | Chase SW $24k | CSR $15K | Chase Bonvoy $11.5K | Chase Freedom $11.5K | Chase Amazon Visa 8.5K | AMEX Bonvoy $18.1K | AMEX Hilton Surpass $15K | AMEX Hilton Aspire $24.4K | AMEX Gold | Aviator Red $16K | Uber Visa 10k | Citi TY Premier $24.6K | BoA Premium Rewards 35k | BoA Cash Rewards Visa $31.5k | BoA Cash Rewards MC $23k | US Bank Cash+ $10k | USAA AMEX $6K | Cap1QS $11K | BJs MC $27.6K | Walmart MC $5.1K | Loft MC $25,000 | Macy’s Store/Amex $20K/$1K | BR Visa $10K | JCP $1K | VS $3.2K | Home Depot $5K | Lowes $8.5K | Target $14.5k
Message 393 of 1,810
tcbofade
Super Contributor

Re: Garden Club - October 2014

Apparently, I was mistaken.  Wifey has gone to bed, and I got booted into the living room.

 

Now I'm on my laptop in my living room.  Don't tell MJ.  Smiley Tongue

02/01/24 Fico 8: EX 757, EQ 803, TU 783.
Fico 9: EX 760 12/16/23, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 394 of 1,810
starry1
Valued Contributor

Re: Garden Club - October 2014

It's really weird, I pulled my MPM today and my TU inquiries have gone from 6 to 1 suddenly. Must be some sort of glitch and will probably be back to normal by tomorrow.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 395 of 1,810
sunkissed
Established Contributor

Re: Garden Club - October 2014

Be sure to stay out of trouble.

 

I really do need to get to bed.  The alarm goes off at 5:30 am - east coast. Smiley Sad

NFCU Flagship $32K | NFCU Cashrewards $42K | Discover IT $39K | SECU Visa $20K | Chase SW $24k | CSR $15K | Chase Bonvoy $11.5K | Chase Freedom $11.5K | Chase Amazon Visa 8.5K | AMEX Bonvoy $18.1K | AMEX Hilton Surpass $15K | AMEX Hilton Aspire $24.4K | AMEX Gold | Aviator Red $16K | Uber Visa 10k | Citi TY Premier $24.6K | BoA Premium Rewards 35k | BoA Cash Rewards Visa $31.5k | BoA Cash Rewards MC $23k | US Bank Cash+ $10k | USAA AMEX $6K | Cap1QS $11K | BJs MC $27.6K | Walmart MC $5.1K | Loft MC $25,000 | Macy’s Store/Amex $20K/$1K | BR Visa $10K | JCP $1K | VS $3.2K | Home Depot $5K | Lowes $8.5K | Target $14.5k
Message 396 of 1,810
tcbofade
Super Contributor

Re: Garden Club - October 2014


@sunkissed wrote:

Be sure to stay out of trouble.

 

I really do need to get to bed.  The alarm goes off at 5:30 am - east coast. Smiley Sad


No worries, I'll be good.

 

My alarm goes off at 5, but it's generally 6 before I'm actually up and moving....

02/01/24 Fico 8: EX 757, EQ 803, TU 783.
Fico 9: EX 760 12/16/23, EQ 790 02/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 397 of 1,810
coldnmn
Mega Contributor

Re: Garden Club - October 2014

Smiley Happy Good morning GC!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 398 of 1,810
Imperfectfuture
Super Contributor

Re: Garden Club - October 2014

Good morning cold.

 


@starry1 wrote:
It's really weird, I pulled my MPM today and my TU inquiries have gone from 6 to 1 suddenly. Must be some sort of glitch and will probably be back to normal by tomorrow.

This is being reported all over the forums.  It's not time to check my different monitoring services (Sw doesn't update unless something added or balance changes).  I don't think it's going back to "normal" (whatever that means), but should be interesting (since TU has most of my pulls).

Signature needs updating
Message 399 of 1,810
Chilli
Established Contributor

Re: Garden Club - October 2014

Good morning,

 

can someone please why I lost "14" points from experian just because I made a payment on an installment loan...my util went from 24% to 16% bal from 1,200 to 800?

 

Why did I lose points for that????? 

 

TOTALLY CONFUSED!😱😦😦😦

 

Message 400 of 1,810
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