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Regular Contributor
Posts: 201
Registered: ‎08-19-2012
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Time to Garden....Plenty of Knowledge Gained...

So, in the two-three months I've found the forums, my score has jumped from 580 to 640ish. I've removed four collections, and paid only one of them. :rolleyes:  I closed my bank account and am enjoying my new found relationship with Navy Federal Credit Union, and happy with the Visa Signature cashrewards card they gave me with a 5K limit.

I'll spend time working on getting these twenty inquires(on each CRA) off by December. This happened before I, literally knew what an inquiry was, let alone the impact. Chase denied me for this very reason.

No more, running into financinal issues, and deliberatly overdrafting my account to pay a bill. Or taking out mulitple payday loans or using my former bank's checking account advance.

I've looked at my prior bank's statement, and I've spent close to $2100 in payday fees, overdraft fees, and account advance fees, this year alone!

Never again...I'm in my mid 20's(still trying to finish school, while only earning 34k a year)...glad I didn't start too late...Now I can start investing, looking at NFCU's option and probably going to open a ROTH IRA...

But, enough rambling...feels good, though...

Chase Southwest $5000 - November 2012 Wal Mart $1000 - November 2012 NFCU Visa $5,000 - Sept 2012 NFCU NavCheck $3,000 - October 2012 Amazon $900 - Aug 2012 Kay's Jewlery $2700 - Aug 2012 Buckle $250 (Shopping cart trick) - October 2012 Roaman's $250 (Shopping cart trick) - October 2012 Capital One Secured $225 - April 2012 Capital One Platinum $2500 - July 2012
Frequent Contributor
Posts: 336
Registered: ‎08-24-2012
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Re: Time to Garden....Plenty of Knowledge Gained...

That is so awesome! Congrats.

Goal Score: 700
Established Contributor
Posts: 568
Registered: ‎08-24-2012
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Re: Time to Garden....Plenty of Knowledge Gained...

Great job!! Happy things ahead for you! Smiley Happy

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011
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Re: Time to Garden....Plenty of Knowledge Gained...

Ramble away.....  Loving it!   Welcome to responsible finances!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Regular Contributor
Posts: 167
Registered: ‎09-07-2012
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Re: Time to Garden....Plenty of Knowledge Gained...

Thats awesome.  Continue to do what you have been doing and your 30's will appreciate it.

Cap1Secured $700 | Chase Slate $700 | Amazon Store $5000 | Discover IT $7000 | Lowe's $8000 | AmEx BCE $20000 | Freedom $3000
November 2014 (myFICOs): Equifax 717 TransUnion 725 Experian 717
January 2014 (myFICOs): Equifax 675 TransUnion 661 Experian 723
Established Contributor
Posts: 847
Registered: ‎09-04-2012
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Re: Time to Garden....Plenty of Knowledge Gained...

Congratulations!  NFCU is a great credit union and they can help you save lots on money just on the interest alone!!!  Best of luck!!!

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