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BearsAndTurtlesRtheBest wrote:

How od you get th seed icon? and how do i join?

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Starting over in the garden...my seed has been planted:-)Last app: 02/23/2013
Current Scores: 12/2012 EQ - 783(FICO), TU98 - 773(FICO ), TU08- 763(Walmart FICO),EX PLUS-775 (FAKO) Credit Sesame - 804 (FAKO)
Wallet: Barclays Plat. Rewards MC 0/$4.9k,Amex BCP 0/$9.1k, CitiForward Signature $900/$11k, Chase Freedom 0/$3k,Target Visa 0/$1.5k, Walmart Discover 0/5.4k, Delta Gold Skymiles Amex 0/$2k
GOAL: 800 ACROSS THE BOARD!!!!

testing out my spade

been lurking in the garden but haven't posted too much. 

Joining the garden for the first time.

Went on a 4-card app spree last week and got them all. Caused major damage to my AAoA, down from 8 years to 4 years. However, I gain the following:

1. 3% cashback on GAS
2. 2% cashback on EVERYTHING
3. TRIPLE POINTS on Amazon purchases
4. Free monthly TU08 FICO score

I plan on staying in the garden for a long while

11/02/2012 Peak - EQ 790 (ScoreWatch FICO)
05/15/2013 Current - EQ 761 (ScoreWatch FICO)
GOAL - 800! - App free since 3/8/2013

Still holding strong. Had another fam emergency last week... so balances had to go up. Thank goodness for credit! Delays payoffs a few months, but life happens!

In full gardening/ debt annihilation mode! (4/15/13)
Notre Dame FCU Visa 0/2k (8/04); CapOne Best Buy 0/1.5k (7\06)
Citi Thank You World MC 3350/7.7k (1/11); Amex Zync NPSL (9/11)
Chase Freedom Visa 400/3.8k (9/11); Chase Southwest RR Premier Visa Signature 3550/10.7k (6/12); Discover It 175/3k (7/12)
EQ: 751 (4/1/13) EX: 742 (4/8/13) TU: 732 (4/8/13)

I'm here... No wants, no needs.

Lost my sweet bling, no more platinum spade, but I have my first GE card, so I'm plenty happy with the result.  Dropping by to pick up my seedling.

FYI for those trying to get the seedling code, the URL is shortened in the first post, you need to follow that URL and edit it in the code to put the FULL URL in your signature in place of the shortened one.

Current: EQ FICO 664, TU FICO 683, EX FICO 698 | Starting Score: 525 (05/2012) Starting total revolving credit: $1100 | Current total revolving credit: $7000 Inquiries (12 Months): EQ 3 TU 2 EX 2 | Most Recent: 1/8/2013

2013 Goals: New Car 700 Club AMEX Member

AMEX Gold NPSL DCU Visa $2000 Cap1 Cash Rewards $2000 BOA Platinum $600 WalMart $800

App free since October 12th!

Man it's hard!

left the garden to get 2 HP clis from BOA (3k to 6K, was tied for my third highest and now my highest) and discover (1K to 3.5K, was my only sub 3K bank card) on the 30th and 31st. My total availabe credit has nearly tripled from when my oldest accounts hit 1 year in august. Now im in the Garden again until february when i will go for an AMEX revolver. I always thought id go for BCE, but now im wondering if i wont go for one of the hotel cards.

After that nothing until later in Spring, because i have inqs galore from Feb-April of this year (3 on exp, 7 on EQ, 6 on TU). After those age off a year, i should see a decent bump from no new accounts under 6 mos, multiple accounts crossing the 12 month line, and 3 or fewer inq in the last 12 months on each report. I am chasing a profile worthy of the US Bank Cash+. After that i'll probably be done with credit cards for a few years except for some amazing offers like the BOA 300(they even had 400 this summer) cashback  for 500 spend.

I'm in   Renegotiating terms and credit limits on my existing cards now.  Watching 'em grow for the next 6 months!