tonyjones we're forbidden from talking about applying in here but feel free to create a new post about it 
Morning all!
Morning all!
@tonyjones wrote:It's been seven months since my last app, should I just get out of the garden to app for the Discover?
It's up to you.
But there's no app talk here. 
@Anonymous wrote:
@tonyjones wrote:It's been seven months since my last app, should I just get out of the garden to app for the Discover?
It's up to you.
But there's no app talk here.
ah okay sorry lol
Good morning peeps! 
Good Afternoon Gardeners!
All is well in my corner of the world and I'm happy to be able to pop in to greet everyone!
Starting Score: All Under 590 (8/2011)
@Anonymous wrote:
Itdoesnt have to be awesome but at least someone who is aware of her credit situation would be ideal
Morning GCrs!
Okay I need to chime in. I've always thought I had great credit, because I paid all my bills on time, paid more than minimum payment and always got approved when I finally decided to apply. I could walk on car lots and walk out with a new car. But I had no idea of my score and always felt a little anxious before my FNBO card started providing my FICO score. I would get my annual report; sometimes, but since I didn't know how the information translated that was that.
I'd hazard a guess that most people are like me, they may think they know about their credit, but they aren't sure & are anxious. When I researched to discover what credit score I needed to get the best house interest rates is when I started playing the credit and utilization game. Before that, I thought overall utilization counted and didn't realize it was also per card. Add to that, I had no idea that over 30% was a bad thing.
Now Discover & FNBO give me my score & I opened a DCU account to get my EQ score. I feel better and I'm knowledgeable about my credit situation, but prior to the free scores, most of us were in the dark.
@bdhu2001 wrote:
@Anonymous wrote:
Itdoesnt have to be awesome but at least someone who is aware of her credit situation would be idealMorning GCrs!
Okay I need to chime in. I've always thought I had great credit, because I paid all my bills on time, paid more than minimum payment and always got approved when I finally decided to apply. I could walk on car lots and walk out with a new car. But I had no idea of my score and always felt a little anxious before my FNBO card started providing my FICO score. I would get my annual report; sometimes, but since I didn't know how the information translated that was that.
I'd hazard a guess that most people are like me, they may think they know about their credit, but they aren't sure & are anxious. When I researched to discover what credit score I needed to get the best house interest rates is when I started playing the credit and utilization game. Before that, I thought overall utilization counted and didn't realize it was also per card. Add to that, I had no idea that over 30% was a bad thing.
Now Discover & FNBO give me my score & I opened a DCU account to get my EQ score. I feel better and I'm knowledgeable about my credit situation, but prior to the free scores, most of us were in the dark.
It's always nice to know
@olivegirl wrote:Good afternoon everyone,
Joining! Gardening until 01-01-2016-thanks for the invite!
Welcome to the garden! Feel free to check out the first post in the GC to read all about gardening. If you would like a seedling or spade added to your signature, just let us know.
