Isanham, you can do it! Congrats on the bronze spade. It is indeed hard to stay app free, especially when seeing so many success stories others are having. Congrats on your progress so far!

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Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 777 EX 767 TU 771
App free since 4/11/12

Called up Wal-Mart today, expected to have the automated CLI denied, with plans to call underwriting directly afterwards.  Surprisingly, I got CLI'd from $700-900 by the automated system.  Its not much, but its a step in the right direction, so I'm content for now.  Will try again in 2-3 months, then call up underwriting then.

Last Hard Pull 05/24/2013

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Starting Score: MyFico TU: 621 EQ: 610
Current Score: AmEx EX: 700 Walmart TU: 711 EQ: 699
Goal Score: 700's baby! (made it 4/10/2013!)
New Goal: 740!!

Take the FICO Fitness Challenge

got a scorewatch update. up 2 points for one less card reporting a balance. 

now just 2 cards reporting a balance out of 9. aiming to have just my mastercard report a small balance at the begining of the year. 

i think ill take a swig at my beer from all this gardening ive been doing. 

sadly though right around christmas might have to get a new washer (old one is leaking) but whats the fun in just getting a washer when the dryers are screaming buy me.  0% finance for 18 months plus an extra 5% off the already low prices =) 

Plus I Hit The Half Way Mark For my Silver Spade!

Current: EQ FICO 675, TU FICO 692, Walmart TU 730 EX FICO 726 Amex Pull(1/1/13) Starting total revolving credit: $2600 | Current total revolving credit: $21,600 Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012

2013 Goals: Freedom Signature Costco:True Earnings

Amex Zync(Unicorn) Chase Freedom$1500 Citizens Mastercard$5000

I've been officially gardening since Febuary. I have around 7 Inquiries on EX--Im from CA so this is all they pull out here pretty much. Besides my card in Feb, all my apps reached 1 yr old around June. Hoping to stay Garden-Strong until all these fall off next year. The one thing nice about gardening is watching my scores rise as everything ages, slow and steady like a true garden.

Experian (CreditSesame)- 808 (6/5/13), 761 (Citi-4/26/13)
Equifax Fico (MyFico) Fico- 745 (7/15/11)
Transunion (Credit Karma)- 776 (6/5/13)
Vantagescore (Credit Karma)- 875 (5/5/13)

So I sat down at my PC this morning....updated my CC Excel file, then paid "this weeks" credit card bills.

I'm still in the garden...no apps, not really feeling the itch, but a bit frustrated with what feels like slow progress...

Hmph.

Last app 08/08/2012. App free in 2013!

Current Scores: EX 670 (FCR) TU: 673 (Wally) EQ: Your guess is as good as mine.

Zero percent financing is where the devil lives...

Month number 3.  Silver Spade is now mine. 

Only 21 months until my next big adventure begins (mortgage time)....

Starting Score: EQ 603 (12/18/2011), TU 621 (10/01/11)
Current Score (7/14/12): EQ 630, TU 691, EX 670 (bank pull)
Goal: 730+ by August 2014
Wallet: NFCU Visa (10k), USAA Secured MC (5k), American Airlines CC (2k), US Airways MC (1.5k), Discover More (1k), Macy's (600), Cap One (500), and Kohl's (400).
Garden planted. Working on the weeds.

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Middleswarth wrote:

Month number 3.  Silver Spade is now mine. 

 

Only 21 months until my next big adventure begins (mortgage time)....

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Yay... congrats!!! Nice looking garden; keep up the good work.

Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 748, TU 741 (06/01/2013), EX 743 (06/13/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Silver Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 5.7k, Kay Jeweler's 5.1k

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Middleswarth wrote:

Month number 3.  Silver Spade is now mine. 

 

Only 21 months until my next big adventure begins (mortgage time)....

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Nice! 

That's about the timeframe I'm looking at to go for a morgage, as well. 

Happy Gardening!

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Starting Score: 608 (7/29/12 TU), 615 (7/29/12 EQ), EX ???
Current Score: 690 (12/29/12 TU), 650 (12/16/12 EQ)
Goal Score: 700+ by 7/2014

Take the FICO Fitness Challenge