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Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: why is it so hard for some to STAY In the Garden??

Besides the fact that I wouldn't get approved for anything worthwhile, for me and other rebuilders, we're always working on something.  So I constantly have ONE MORE THING i need to wait for to update on my report before I can apply.  I have collections getting deleted for instance.  Or Duncan and his AMEX soft pulls.

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
Duncanrr
Posts: 2,845
Registered: ‎06-08-2012
0

Re: why is it so hard for some to STAY In the Garden??

@Jutz. I agree. Case in pt., here is a link to my very first thread. I did my homework and read some on forum and then posted this thread.

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Starting-Journey-From-the-bottom-help-request...

I'm celebrating 6 months on this forum and my rebuild.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
Imhotrodcrazy
Posts: 1,524
Registered: ‎03-11-2009
0

Re: why is it so hard for some to STAY In the Garden??

It will be one year tomorrow since I was approved for my BCE.  Before that,  my last app was in 2009.  For me, I don't have a problem with no applying for more credit..  I guess 70 yrs of life teaches you some patience.  I have had my eye on the Harley Davidson Siggy card for the past 3 yrs but have not gone for it yet.  If I keep waiting, I will be too old to ride anymore.

FICOS
TU 805 10/18/14
EX 806 10/26/14
EQ 824 10/31/14

NASA 30K / / Amex 16.5k / / Chase Freedom 10.6k / / / / / SD'd US Bank Cash+ 20k, LOC 15k
Frequent Contributor
AF_23
Posts: 288
Registered: ‎02-06-2012
0

Re: why is it so hard for some to STAY In the Garden??

This forum has a ton to do with it. :smileytongue:

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: why is it so hard for some to STAY In the Garden??

IMO it's been alot easier staying away from credit card apps while i'm taking a break from the forums evet now and then. My job helps me stay away as well :smileyvery-happy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: why is it so hard for some to STAY In the Garden??


LS2982 wrote:

IMO it's been alot easier staying away from credit card apps while i'm taking a break from the forums evet now and then. My job helps me stay away as well :smileyvery-happy:


my job doesnt! 

i work in a bank so i see cc all day. 

 

ive limted to leaving all my cards at home/car except a few.

 

bank card/chase freedom/ zync. 

everything else is sock drawerd. 

 

people around me still say, your credit is good enough to get an amex and i smile a little inside. 

 

 

as for apps. its all about self control. as you can see how many posts i have in the 5 months ive been here ive been pretty active and have apped because of it in the beginning, 

but ive also got ahold of myslef except for this last card. 

i made it for 3 months but then again im sure lots of you wouldnt have turned down a inq free card. 

 

im in the garden now for the long haul. 

i wont be needing a car anytime soon, or a house, or any cards for that matter. 

apping will be out of the question, but chances are ill be asking for a cli in the future. 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

Re: why is it so hard for some to STAY In the Garden??


distantarray wrote:

it's just fun for some people, for instance people who already bought a house, cars and no big shopping left for a few years, they can app for anything and everything and not worry about their credit loss. If you have the ability ot hit 800+ you can app for anything you want you won't drop below 760. There's reward chaser couples who can take 20k+ per person each year in reward bonuses (it's been done, with loop holes) but realistically $5,000 in rewards a year is not too unheard of if that's all your doing is chasing points. so just a game for some people.

 

  exhibit A from 1 year of cards


:smileysurprised: awesome!

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: why is it so hard for some to STAY In the Garden??


armbenderc wrote:

distantarray wrote:

it's just fun for some people, for instance people who already bought a house, cars and no big shopping left for a few years, they can app for anything and everything and not worry about their credit loss. If you have the ability ot hit 800+ you can app for anything you want you won't drop below 760. There's reward chaser couples who can take 20k+ per person each year in reward bonuses (it's been done, with loop holes) but realistically $5,000 in rewards a year is not too unheard of if that's all your doing is chasing points. so just a game for some people.

 

  exhibit A from 1 year of cards


:smileysurprised: awesome!


this stack is between a husband and a wife fyi. 

and those are all cards in their collection not just the ones they use. 

 

wonder if any of those got closed due to inactivity lol. 

Current: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Regular Contributor
Tran92
Posts: 217
Registered: ‎09-25-2012
0

Re: why is it so hard for some to STAY In the Garden??

It's hard because people need to stop bragging about their instant approvals!! Lol jk .. Kinda :smileywink:
TU 746 (10/13)
GOAL: 750+






Valued Contributor
Duncanrr
Posts: 2,845
Registered: ‎06-08-2012
0

Re: why is it so hard for some to STAY In the Garden??

I brag about my recons :smileywink: that's where you really show your skills


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge

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