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Stepped out of the Garden:-))))

Regular Contributor

Stepped out of the Garden:-))))

So I went back and forth about staying in the garden for  6 months before any more apps and decided I would take the AAoA/inquiries hit now and garden for the next year or two. It was worth it IMO to get the jump on 6months of history with these cards then wait. But back to the Garden I go. SPs only for me. I hate a lot of inquiries.

 

My App Spree and CLs

JCP 200

Walmart 500 free tu fico:-))))))

Amazon 600

VS 250

Express 250

Macys 400 had to recon due to IIB. Was not wasting a hard pull. GREAT Customer Service reps

 

I do shop at all of these stores and love the discounts/perks they offer. Use NFCU as main bank card. Closing Cap1 and Orchard if they don't waive AF and increase CL. Wooh! I was nervous. I hope these cards grow while i'm in this lovely Garden of mines. (smells the flowers) 

 

Inquiry: EX-3   TU-7   EQ-6 (11-07-2012) 

Starting EQ Fico: 536 (3/12)
Current EQ Fico: 649 (9/13)-lender pull
TU Fico: 684 (8/13) 711-lender pull 9/13
EX Fico: 646 (8/13) 655-lender pull 9/13
Message 1 of 8
7 REPLIES
Valued Contributor

Re: Stepped out of the Garden:-))))

Congrats! See you in the garden! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 2 of 8
Established Contributor

Re: Stepped out of the Garden:-))))

+1

Message 3 of 8
Valued Contributor

Re: Stepped out of the Garden:-))))

Stay in garden please .................


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 4 of 8
Regular Contributor

Re: Stepped out of the Garden:-))))

Thanks!!!

Starting EQ Fico: 536 (3/12)
Current EQ Fico: 649 (9/13)-lender pull
TU Fico: 684 (8/13) 711-lender pull 9/13
EX Fico: 646 (8/13) 655-lender pull 9/13
Message 5 of 8
Valued Contributor

Re: Stepped out of the Garden:-))))


rm3 wrote:

So I went back and forth about staying in the garden for  6 months before any more apps and decided I would take the AAoA/inquiries hit now and garden for the next year or two. It was worth it IMO to get the jump on 6months of history with these cards then wait. But back to the Garden I go. SPs only for me. I hate a lot of inquiries.

 

My App Spree and CLs

JCP 200

Walmart 500 free tu fico:-))))))

Amazon 600

VS 250

Express 250

Macys 400 had to recon due to IIB. Was not wasting a hard pull. GREAT Customer Service reps

 

I do shop at all of these stores and love the discounts/perks they offer. Use NFCU as main bank card. Closing Cap1 and Orchard if they don't waive AF and increase CL. Wooh! I was nervous. I hope these cards grow while i'm in this lovely Garden of mines. (smells the flowers) 

 

Inquiry: EX-3   TU-7   EQ-6 (11-07-2012) 


congrats...did you do the shopping cart trick for the VS and Express cards?

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 6 of 8
Regular Contributor

Re: Stepped out of the Garden:-))))

Yep, SPsSmiley Happy

Starting EQ Fico: 536 (3/12)
Current EQ Fico: 649 (9/13)-lender pull
TU Fico: 684 (8/13) 711-lender pull 9/13
EX Fico: 646 (8/13) 655-lender pull 9/13
Message 7 of 8
Valued Contributor

Re: Stepped out of the Garden:-))))

congrats!

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 8 of 8