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...and back to the garden I go!

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Super Contributor

...and back to the garden I go!

After a very successful stroll outside of the garden fence, its time for me to return...

 

NFCU, 3X CLI and a 2nd card.  Smiley Happy

 

Lost my Kays account in the transition/lack of use...had to reapply and take the HP for a new account.  Thankfully, we WERE able to save DW's account.

 

Care Credit has been on my list of wants for awhile, so I picked that up while out strolling...

 

...and took the HP hit for a CLI on my Home Depot card.  (4k to 10k)  Smiley Happy

 

For those keeping track, nearly $30k in new accounts/credit limits.

 

When all of that hits my credit reports, my cranberry will drop from 75%ish to 50%ish.    Not quite to the 100k club, but over 90!

 

 

01/01/20 Fico 8: EX 711, EQ 712, TU 724.
01/05/20 Fico 9: EX 678, EQ 691, TU no idea...

Zero percent financing is where the devil lives...
Sitting in the garden behaving myself. #noinqs2020
Message 1 of 23
22 REPLIES 22
Moderator

Re: ...and back to the garden I go!

Congrats!  And from experience, selling your Ocean Spray stock should give you a very nice score boost.  Not as much as owning less than 30% of the company, but a boost nonetheless.  And I have to say that I'm jealous about the HD CLI.  I sat at my starting line of $1250 for years and took numerous HPs and they wouldn't budge!  Thanks to this forum, I got a $17k Lowe's card (now $35k) and closed the HD card.

Message 2 of 23
Regular Contributor

Re: ...and back to the garden I go!

Nice!

 

I hope to be there some day. I tried to hang out in the garden but got the boot for doing a SSL without a HP. I thought gradening was about not incurring HP's but I was wrong.

 

I'm sure you will hit that 100K mark soon. Keep up the good work

Nov 2019 EX 780, TU 760 EQ 752, June 2019 EX 778, TU 788, EQ 790 April 2019 FICO EX 802, TU 790, EQ 804, Oct 2018 Fico'd EX 817, TU 811, EQ 798
June 2018 Fico's EX 830, TU 817, EQ 824
PenFed Power Cash Rewards $17K (Jan 2018), Discover IT $20.5k(Jan 2018), Capital One $7500 (Aug 2014), Chase Freedom (PC from FU Jan 2019) $4500 (Jan 2018), Sam's Club MC$10000 (Jan 2018), BBVA $25K (Apr 2018) ,WF Propel 15.5k(Jul 2018), USB Cash+ $14K(Jul 2018), Citi Best Buy Visa Platinum $12k(Sept 2018) Digital Federal Credit Union $15k (Nov 2018) BBVA Compass ClearPoints $8100 (June 2019) Williams Sonoma Visa Comenity $2300 (July 2019) Discover it 2 $4.5k (Nov 2019)

Campus USA CU Auto Loan 85k (Aug 2018) BBVA Compass Express Loan $15k (Nov 2018), PenFed personal Loan $27k
Rebuilder Cards: First Permier $1250 closed (6/11/18), FNBO $2600( Nov 2006)

AAoA 2.8 years UT 8%
Store Cards: HomeDepot $12000(May 1998), Saks $800(Oct 1978) Kohl's $2.5k (Nov 2018) AMZN Store Card $8.5K (Jan 2019) Target RedCard &2.5k (Apr 2019) Walmart MC $4k (Sept 2019)
Message 3 of 23
Established Contributor

Re: ...and back to the garden I go!

Welcome back to the Garden. I think AJC has some extra hoe's. 

 

Great job!!! 

Starting Score: EQ 497 TU 496 EX 499
Current Score: EQ 592 TU 580 EX 581
Goal Score: 700 Across the board


Take the myFICO Fitness Challenge
Message 4 of 23
Super Contributor

Re: ...and back to the garden I go!


@K-in-Boston wrote:

Congrats!  And from experience, selling your Ocean Spray stock should give you a very nice score boost.  Not as much as owning less than 30% of the company, but a boost nonetheless.


LOL!  Just rough math so far, but I think that I'll need to sell another 2% or so to get under that magical 49%  line...  Oughta be able to do that the old fashioned way in 30 days or so...  Smiley Happy

01/01/20 Fico 8: EX 711, EQ 712, TU 724.
01/05/20 Fico 9: EX 678, EQ 691, TU no idea...

Zero percent financing is where the devil lives...
Sitting in the garden behaving myself. #noinqs2020
Message 5 of 23
Super Contributor

Re: ...and back to the garden I go!

Congratulations!!




Message 6 of 23
Moderator

Re: ...and back to the garden I go!


@lpavelchak0204 wrote:

I hope to be there some day. I tried to hang out in the garden but got the boot for doing a SSL without a HP. I thought gradening was about not incurring HP's but I was wrong.

 

Gardening is about avoiding HPs and not opening new trade lines.  You are welcome back at any time.  We like to say that it's an open door policy, but as you can tell from certain people like @tcbofade and myself, it's sometimes more of a revolving door policy.

Message 7 of 23
Super Contributor

Re: ...and back to the garden I go!


@K-in-Boston wrote:

@lpavelchak0204 wrote:

I hope to be there some day. I tried to hang out in the garden but got the boot for doing a SSL without a HP. I thought gradening was about not incurring HP's but I was wrong.

 

Gardening is about avoiding HPs and not opening new trade lines.  You are welcome back at any time.  We like to say that it's an open door policy, but as you can tell from certain people like @tcbofade and myself, it's sometimes more of a revolving door policy.


*coughs* I prefer the escape tunnel...





Message 8 of 23
Super Contributor

Re: ...and back to the garden I go!


@K-in-Boston wrote:

@lpavelchak0204 wrote:

I hope to be there some day. I tried to hang out in the garden but got the boot for doing a SSL without a HP. I thought gradening was about not incurring HP's but I was wrong.

 

Gardening is about avoiding HPs and not opening new trade lines.  You are welcome back at any time.  We like to say that it's an open door policy, but as you can tell from certain people like @tcbofade and myself, it's sometimes more of a revolving door policy.


HEY!  I resemble that remark.  Smiley Tongue

 

Gardening WORKS!  I recently completed more than a year in the garden...took a stroll outside of the fence, promptly returned and did another 90+days....  no idea how long I'll garden this time, but I won't leave without a goal.  Smiley Happy

01/01/20 Fico 8: EX 711, EQ 712, TU 724.
01/05/20 Fico 9: EX 678, EQ 691, TU no idea...

Zero percent financing is where the devil lives...
Sitting in the garden behaving myself. #noinqs2020
Message 9 of 23
Moderator

Re: ...and back to the garden I go!


@Adkins wrote:

*coughs* I prefer the escape tunnel...


Ewww it's so dirty in there.  I love how this can still totally be on-topic since garden is right there in the title of the thread.  Smiley Wink

Message 10 of 23
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