Valued Contributor
Posts: 2,297
Registered: ‎07-23-2012
Re: Garden Club Meeting - October 2012

jsucool76 wrote:

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


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 Smiley Wink

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: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Moderator Emeritus
Posts: 12,532
Registered: ‎12-30-2011
Re: Garden Club Meeting - October 2012
CNC: what do you consider to be a possible larger purchase than a house? Smiley Wink
Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Valued Contributor
Posts: 2,297
Registered: ‎07-23-2012
Re: Garden Club Meeting - October 2012

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

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

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

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Frequent Contributor
Posts: 342
Registered: ‎04-21-2012
Re: Garden Club Meeting - October 2012

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

New Contributor
Posts: 57
Registered: ‎09-27-2011
Re: Garden Club Meeting - October 2012

Hello everyone!  My gardening for 3 months paid offSmiley Happy  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.

Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
Re: Garden Club Meeting - October 2012

zan987 wrote:

Hello everyone!  My gardening for 3 months paid offSmiley Happy  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.


 

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. Smiley Happy

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
Re: Garden Club Meeting - October 2012
[ Edited ]

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! Smiley Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
Re: Garden Club Meeting - October 2012

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

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Established Member
Posts: 35
Registered: ‎09-30-2012
Re: Garden Club Meeting - October 2012

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

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

Valued Contributor
Posts: 2,297
Registered: ‎07-23-2012
Re: Garden Club Meeting - October 2012

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

went straight to the shredded. 

 

learned my lesson..

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000