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jsucool76 wrote:

I've got like 15 on each of my reports, so don't feel bad Quite a few are past the one year mark though

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four of mine will fall off by march '13.  5 will be over a year old at the end of feb. the rest will be over a year at the end of august

i cant believe i let my bank pull my report like ughhh....  5 times in 3 months smh... amex pulled all three reports as well. toyota was 5 pulls. 

but im not looking for a house or a car (anymore) or any more credit for that matter. zync will be my debit unless mom and pop shop and the rest used for gas and obviously store purchases. 

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 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

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Revelate wrote:
CNC: what do you consider to be a possible larger purchase than a house?

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a private jet with your centurion amex . idk most common folk a house. 

or if you have your values backwards a car. lol. 

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 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

Still in the garden.  My goals haven't changed.  See ya next month.

___$13.5k______$20k_______$20k_______$25k_______$20k____
Starting Score: 676 Feb 2008; Current Score: 753 May 2013; Goal Score: above 780 this year
Oldest Account: 31.1 years; Current AAoA: 14.6 years; Current Utilization: 4.7%

Hello everyone!  My gardening for 3 months paid off  I have been gardening for 3 months while paying down my utilization, in hopes of getting a decent intrest rate for a vehicle from my credit union.  It worked, app'd on Oct 1st and got approved for 1.9%.  Lowest I have ever had for a vehicle.  Now I just have to find my Infiniti G37.   I am back in the garden till next year.

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Starting Score: 590
Current Score: EQ:665
9/05/12; EX: 656 7/10/12; TU: 641 8/15/12
Goal Score: 680

Take the FICO Fitness Challenge

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zan987 wrote:

Hello everyone!  My gardening for 3 months paid off  I have been gardening for 3 months while paying down my utilization, in hopes of getting a decent intrest rate for a vehicle from my credit union.  It worked, app'd on Oct 1st and got approved for 1.9%.  Lowest I have ever had for a vehicle.  Now I just have to find my Infiniti G37.   I am back in the garden till next year.

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Congrats on the great interest rate! It's amazing how beneficial it can be to sit back and tend to the accounts one already has. Enjoy your new car, and welcome back for another stay in the garden.

Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze 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 4.2k, Kay Jeweler's 5.1k

Sitting back and enjoying a nice hefeweizen...

Still waiting for my new Discover to report. My statement closes on the 6th, so I wouldn't be surprised if it appears in a week or so. Once it does, I'll be able to see the final effects of the new credit ding. I'm looking forward to watching my scores recover when this is all said and done.

(ETA) But I must say this... I'm thoroughly enjoying my new cards. No app itch at all!

Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze 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 4.2k, Kay Jeweler's 5.1k

I almost app'd for a US Bank Cash+ card for the +5% bill pay .............................. and then I remembered I was in the garden! 

Got the amex bce i wanted. freedom and BCE should cover me for awhile so i'm joining the garden for a LONG time  

Capital One Platinum $750 (3/11) | Macy's $2K (1/12)
Chase Freedom $4.5K (8/12) | Chase Sapphire Preferred $5K (11/12) | Amex BCE $12K (10/12)
TU: 751 (10/1/12 - Amex), 747 (5/23/12 - Transunion.com) | EQ: 718 (10/1/12 - myFICO)
Gardening since: 11/12/12

got a pre approval for credit one card up to 1500. 

went straight to the shredded. 

learned my lesson..

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 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