Frequent Contributor
Posts: 258
Registered: ‎06-10-2012
Re: Garden Club Meeting - October 2012
Greetings all. This is my first foray into the garden. My last apps were on 7/30 (Amex: approved for Zync NPSL; Chase: denied, but on recon, found out I wasn't blacklisted). So, I guess I've already been in the garden for a couple months without really trying.

My short term goal has been to get to 700 (which is a long way from the 617 I had back in June). between my backdated Amex and my most recent late payments aging past the 1-year mark, my score has reached 668. With overall util around 40%, I should be able to come close to my goal once I get those balances back down close to zero next month.

I've already started to see the fruits of my gardening: just last week, Wells Fargo spontaneously gave me a CLI from $3000 to $4200.

My long-term goal is to buy a house in the next 18 months or so. I don't think I'll be able to get my scores up to that magic 760 by then, but I'll happily settle for 720, which should be attainable. In the mean time, I don't have any burning desire for new credit. Down the road, I may try again to get back in with Chase, but for now, I have more credit than I need; it's kind of nice having one card in the sock drawer.

Starting Score: 617 (EQ 6/10/12)
Current Score (8/28/13): EQ: 691 EX: 706 TU: 700
Goal Score: 700

Discover it $4,500 (02/2001); Amex PRG (Backdated to 01/2006); Amex ZYNC (Backdated to 07/2006); Wells Fargo Cash Back Visa $5,500 (12/2011); Citi Diamond Preferred MC $2,000 (07/2012); B of A Cash Rewards Visa Signature $5,000 (02/2013)