ive been okay. 

i took the pre approval for greater gains since i knew once best buy reported my holiday shopping i wouldnt have gotten it, 

no new inquries but once the new account hits my aaoa will take a smaller hit. 

ill be pulling my reports in jan after i put in apps for costco amex that i will likely get denied for. (due to low aaoa)

now just to ask chase to match that limit and make my freedom a visa sig! from a 500 to 5000 yeah right in about 5 months. 

5k card with no inquiry is ok with me. 

back to the garden it is. 

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

btw also tempted to app for amex but afraid of getting approved and not getting the year backdate... hmmm

most likely will see denied due to zync. 

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

6 more days and I will have been in the garden for 1 month!!!  WHOO HOO!!!!

NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014

Still in the garden...have not app'd since February  Still can't believe it's coming up on a year since I last applied for something --that's unheard of for me lol. 

Right now I'm waiting to start my career...just graduated a couple months ago. Once I get my career going I'm going to app for that elusive AMEX BCE and hopefully get a nice fat CL to go along with it. Other than that I'm probably just going to request some CLI's on some of my lower cards. I'm pretty content with the cards I have; all I want is that BCE. Might also try for a Green if it's only one pull, not sure yet. 

Hopefully in the next couple of months I can exit the garden...maybe at the 1 year mark! 

Haha I joined the garden like 2 days ago and already have to start over decided to app for Amex BCE and was approved days after activating my Amex Green Charge and they used the same HP from the Green for the BCE approval - 2 cards 1 hp

Starting: 563 | Current: 753 (Walmart TU 11/12) | Goal: 800 | Garden since: 01/15/2013

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Unique620 wrote:
Congrats to you floridastate12 on graduating and starting your career!

I will be starting Graduate school in January. Very excited

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Thanks! I'm excited...been having a little trouble finding a job I want. I think I'm being a little too picky.  But I have one in the works right now, so hopefully in the next couple weeks I'll know something. 

Congrats on grad school! I'll probably go back at some point and get my MBA, but for now I just had to take a break from school for a while. Good luck! 

Going in the garden myself...at least until the end of June 2013...that's when most of my inquiries will have fallen off. Realistically, I don't need any further credit for a long while, perhaps I should wait 2 years and not have any inquiries, that would be an excellent accomplishment for me 

I'm still in the garden too. No apps until mid2013 for a home. 

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Starting Score: 632 (TU) 02/2011
Current Score: TU08: 743 (12/12) EX: 742 (Amex Pull) 09/2012
Goal Score: 780

Take the FICO Fitness Challenge

Yesterday was one month in the garden for me! I feel satisfied since I obtained the Chase Freedom evern though it has a low cl. I have had a few rough times this month because I got a preapproval in the mail and one online. I sweated those out and did not cave into wanting instant gratification! *lol*