Scored!!! Time for the garden.

Kathy4NU · ‎05-23-2013

Closed on my house yesterday. Applied for a two new cards I have been wanting and wanted to get them before the mortgage hit my reports.

Applied for Nebraska Furniture Mart card. If you live near a Nebraska Furniture Mart than you know this is a card you want. Instantly approved for $3500. Blew me away. I swear when I walked away I was floating. It honeslty felt that way. First time I have EVER been instantly approved. Felt wonderful. Bought a new mattress that came with a $300 gift card that I used to buy a new dishwasher with.

Also wanted a Discover IT card. Applied a few minutes ago and BAM - instant approval again. Set up my account etc but never saw what I was approved for. Called and they said $2500. I will take it.

What I already have is: Chase: $1000 and a Visa with my CU for $1000. VS: $350. Credit union told me at closing yesterday that they are raising my limit but didn't tell me what they are raising it to. I like to use that one for emergencies as the APR is only 8%. The Chase and Discover will be for everyday expenses and PIF each month.

Also moving my car loan over to the credit union at 1.5%.

In the garden I go for 18 months. My inquires are really high (like 6 per report) because of mortgage app etc. My AAoA will take a severe hit with a mortgage, second mortgage, car loan and 2 new credit cards hitting it all in one month. Hopefully in 18 months I will be in the high 700's.

Life is beautiful!!

June '12: EQ 553 TU 0 EX 545
April '13 Lender Pull EQ 731, EX 692, TU 722 - all FICO

Closed on home May 22, 2013 at 2:00pm!!!
CU Visa $1000, VS $350, Chase Freedom $1000, Discover IT $2500, Home Depot: $2700, Menards $3000, NFM $3500
What's been deleted: 32 collections, 5 PR, 2 tax liens, defaulted student loans

rtw · ‎05-23-2013

Congrats and welcome to the garden!

asphaltcowboy · ‎05-23-2013

Congrats on all your recent success, welcome to the garden!!!

Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013

CreditJunkie917 · ‎05-23-2013

Congrats!!

Amex PRG(NPSL), Amex BCE($5K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($20K), USAA Amex($7K), USAA World MC($7K), CSP($2.3K), Chase Marriott($1.8K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200) Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567 Current Scores(Sept. 2016): FICO EQ: 672, TU: 703(?), EX: 682 In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!

ktl72455 · ‎05-23-2013

Congrats!

From MI.
12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
6/12/20 TU 803 ~ EQ 814~ Ex 784
My Wallet: Cap1 3,500K ~FH 2950~Credit One 1750~Credit one #2 1250~Orchard Bank 400 ~NFCU nRewards 18,000~NFCU Cash Rewards 18,500 ~Care Credit 12000~Discover 6000~Lowes 5450~ Amex 5400.00 ~ Harvest King 8000 ~ Langley~Penfed~Service CRU~red stone cru~
UTL 17%

09Lexie · ‎05-23-2013

A big round of congrats! I will definitely see you in the garden.

Closing Credit Cards

The Definitive Amex 3X CLI Guide

Frequently Requested Threads

MonkeyBelly · ‎05-23-2013

Well played!

Starting myFICOs 2013
TU:664 March --> 726 May 25
EQ: 687 on March 6 --> 772 May 25
USAA EX (FAKO): 701 March 27 --> 768 May 26
Original goal (720+ across the board) achieved!

shanac · ‎05-23-2013

Congratulations Kathy! I've been following your threads and am excited for your success!

iPhone. iTypos. iApologize

Current Score: EQ FICO 764 TU FICO 776 EX FICO 753
Goal Score: 800

LS2982 · ‎05-23-2013

CONGRATS!!!

EQ FICO 548 3/3/16

Kathy4NU · ‎05-23-2013

Well that trip to the garden lasted about 10 minutes. Decided I really needed a card for a home improvement store. Debated between Lowe's, Home Depot and Menards. Decided to go with Menards. Instant approval for $3000 so now I really am in the garden.

I rejected Lowe's because I was rejected two times for Walmart. It came down between Home Depot and Menards. Home Depot is very close to my home. I use them a lot but they are building a new Menards a few miles away and they seem to have better sales.

June '12: EQ 553 TU 0 EX 545
April '13 Lender Pull EQ 731, EX 692, TU 722 - all FICO

Closed on home May 22, 2013 at 2:00pm!!!
CU Visa $1000, VS $350, Chase Freedom $1000, Discover IT $2500, Home Depot: $2700, Menards $3000, NFM $3500
What's been deleted: 32 collections, 5 PR, 2 tax liens, defaulted student loans