Garden Club - September 2015

[xnxo]

@Anonymous wrote:

Today starts Day 1 of the garden for me and I'm starting small by trying to make it to September 30th with no new applications. 

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Congrats, welcome to the club YOu can make it thru September!!! 

[IncrsCreditScore1]

@ljthomas:  Good for gardening strong.  I don't get a new spade this month either, but plan on getting one next month.  Let's hang in there.

[xnxo]

Septemberrrrr is finally here... 9/21 will be 3 months of gardening.. Hate that my auto loan and auto inquiries hit my CR last month

only time will heal this. 

[Anonymous]

Hi all! 

September check in.  Not in the garden a month yet and have seen an increase in a couple of fico scores.  Unused Cap1 Visa charged me an annual $19 fee.  I disputed it; they reversed charge and promptly closed account.  My scores went up because of my "using" the card.  They'll probably go down when it is discovered that the account was closed. 

Seedling: Entered garden & initial FICO scores (8/8/15): EQ 709, TU 705, EX 690
Updated scores (date): EQ 722, TU 707, EX 690
Ch7 filed 10/30/09-discharged 5/10
CCs: Comenity $1K; Syncb $1024; Snycb $1800; Snycb $1024; Comenity $750; PFCU $5K; C1 $1K; Merrick $2650; C1 $3K; BoA $10K; C1 $500; Citi $6K; Unvl $6K;
Morts. 1st $160K; 2nd $76K
No installment accts., collections, other accts.
2 HLI
Anticipated exit 2 years

[IncrsCreditScore1]

@Beckhsrules: Keep those hands tied. You know you can do it.

@ksb: March isn’t really that far away if you think about it. My gosh January just happened and we are already at September.

@salt_water_swimming: Good for you. Keep hanging out in the garden.

@iheartwings: Those mortgages are so worth staying in the garden.

@DesertRat: Grats on paying those bills down. Doesn’t it feel good. The garden does make me feel better.

[IncrsCreditScore1]

@Callandra:  You know you love the garden to much to leave it by applying for anything.  Stay here!

[IncrsCreditScore1]

@Discover:  So glad you have joined us in the garden.

[IncrsCreditScore1]

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@Callandra wrote:

I am so tired of customer service/phones. I have been ready to hang up on every single person that's called today.

And to the people who call multiple times in the same day about the same issue, STOP. My answer is NOT going to change and I don't care if you write to the owners of the company.

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Just tell them you'll be glad to transfer them to the owner and remember:  Your last day is the 11th!

[IncrsCreditScore1]

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@Anonymous wrote:

Today starts Day 1 of the garden for me and I'm starting small by trying to make it to September 30th with no new applications. 

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Welcome, SagGoddess.  The support here in the garden in excellent.  You can make it. 

[IncrsCreditScore1]

What great news, CreditFitness.  That must have made the day for both of you!