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

tcbofade wrote:

Howdy, howdy boys and girls. 

 

I'm still here, just awfully busy.

 

DW lost her job 03 August, so the last few months have been a real challenge for us...our util is going in the WRONG direction...

 

The good news is that she starts a new job 01 November, so there IS light at the end of the tunnel, but it seems awfully far away.

 

No Apps since 08 August...I'm about two weeks shy of my silver spade...


 

Well, in terms of good news / bad news, at least you started with bad news but ended with good news... much better than the other way around! Congrats to your wife for finding a new job and best wishes to her.

 

Silver spade on the horizon... woo hoo!!! :smileyvery-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
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
Re: Garden Club Meeting - October 2012
[ Edited ]

I got another SW today, and my EQ score has gone up 5 points! I'm now at 722, which is only 1 point shy of where I was before my recent app spree. :smileyhappy:

 

This latest boost was from my BoA Visa Signature card "settling" into my garden. Since it's a BoA siggy card, the $5000 CL doesn't report, only the high balance. I had charged and paid off a little over $300 before the very first statement cut, but there was an additional last minute ~$200 charge came through and there was no time to get it paid before the statement cut. So, the card must have been weighted in as being close to maxed out -- yuck! Well, this past month I got my high balance up to $1216 and once again closed out the statement with another charge of around $200. Now the card doesn't look maxed out, so I got a score boost! Next month I'll try to see if I can close out the statement with a $0 balance, and at some point I should be able to up my high balance. But for now, I'm much happier with the way that my siggy card is reporting.

 

All in all, my little seedlings are settling into my garden very nicely! Now that I've had a couple of statement cycles pass, I have more control over issues relating to the timing of util reporting. Glad see my scores on the rise! :smileyhappy:


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
Valued Contributor
SnackTrader
Posts: 1,567
Registered: ‎09-15-2012
Re: Garden Club Meeting - October 2012

Revelate wrote:

Still gardening, Beacon 5.0 score has flatlined at 643 for the past few months, ah well.  Looking back at my plan with more experience, I think I should've applied for a CLI-chaser card (GE-backed something or other) to have something more short-term than the theoretical mortgage to look forward to from a credit building perspective.

 

I suppose it could be worse as at least I am barely over the minimum mortgage underwriting hurdle with that score :smileywink:.

 

Trying to build some measuring sticks in the rest of my life other than my finances, hopefully that'll keep me on track towards my goals.

 


Stick with it Revelate!  It sure does seem like you've come a long way in less than 12 months.  So imagine what will happen as time continues to take effect.  Inquiries falling off, baddies falling off, AAoA increasing, etc. will all bring you to the level you need for that desired mortgage.  Congrats on all the progress, and keep your head held high.  


In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Member
cladjuster
Posts: 8
Registered: ‎10-23-2008
Re: Garden Club Meeting - October 2012

I am now entering the garden, i think this is neccessary since i am now realizing how addictive credit is.


Starting Score: 647
Current Score: 667 EQ
Goal Score: 710


Take the FICO Fitness Challenge


Current
Cap1 platinum 1k, Cap1 rewards 1k, Amazon 600, chase freedom 2k
Goal Cards US Bank+ rewards, Amex Cash blue.
Moderator Emeritus
webhopper
Posts: 7,225
Registered: ‎09-16-2011
Re: Garden Club Meeting - October 2012
Still app free :smileyhappy: 15 days until I get the bronze spade back

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Valued Member
alakazam
Posts: 47
Registered: ‎05-03-2012
Re: Garden Club Meeting - October 2012

... they see me gard'nin ... they hatin' ... :smileyhappy:

 

app free since 6/25/12

 

we're all gonna make it brahs

Regular Contributor
gijoe4500
Posts: 232
Registered: ‎05-12-2010
Re: Garden Club Meeting - October 2012

Almost there!  Only 3 more days until the Nov 2012 garden club is in existence.

Last Hard Pull 05/24/2013

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!!


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Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
Re: Garden Club Meeting - October 2012

I'm twitching .... must app lol only been 2 weeks jk I only want one more card and I know I have to wait 6 months for that atleast. I gained 30k + in credit limits this month so I can sit tight for now =) (starting from $3,500 limits hehe)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Contributor
SpeedingWheels
Posts: 253
Registered: ‎08-06-2012
Re: Garden Club Meeting - October 2012
Poked my head out of the garden last month unsuccessfully with Chase and today I am happy to say that I will be planting my roots firmly in the garden until at least June after today's success with Discover and Car Care One.

I am now committed to at least 6 months app free.
It feels good to finally be content with my rebuild

Walmart Discover ($5000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($5000) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($1237?)
Regular Contributor
Unique620
Posts: 233
Registered: ‎10-03-2009
Garden Club Meeting - October 2012

Im in!

 

Last credit pulled June 2012. Planning to garden until April 2012. 

 

 


Starting Score: MyFICO Equifax Score 523 (pulled March 2011)
Current Score: MyFICO Equifax Score 643, MYFICO Transunion Score 628, Experian report from there website 651 (pulled October 2012)
Goal Score: 700 by April 2013


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Filed BK 04/2011|BK Discharged 08/2011|Hard Pull I 12/05/2012 |


Starting Score: EQ 523 03/2012
Current Score: EQ 649 I TU 655 (02/2013) EX 672(01/2013)
Goal Score: 700 on all CR's 04/2013