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Brief jump from the garden...

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codimom
Frequent Contributor

Brief jump from the garden...

After 10 wonderful months of no apps I have voluntarily taken a HP for the purpose of refinancing my mortgage.
bye bye pretty gold spade...

 

I'll just replant this little seedling over by LS and we'll stay strong together.  No new credit cards, no new credit for anything else for a while.

 

on a brighter note?  when they pulled my 3 scores for the app, 2 out of the 3 started with that odd looking number 7 ... I haven't been in the 700s for so long I forgot what it looked like!  (702, 708 and the middle one was 682)  ... so that is progress in MY book!!!

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Message 1 of 9
8 REPLIES 8
brianjb
Contributor

Re: Brief jump from the garden...

Not to be picky, but wouldn't your middle number be 702?  

AMEX TrueEarnings 10K | AMEX BCE 10K | AMEX Hilton Honors 10K | AMEX Hilton Surpass 2K | Bank of America 1-2-3 2K | Barclay Card 2K | Chase Southwest Premier Visa 6K | Chase Marriott Premier Visa 9K | Discover IT Card 1.5K | Merrick Bank 1.4K | Navy Federal Credit Union Visa 10K | Navy Federal Credit Union navCheck 15K | USAA Rewards 7K |+ tons of store cards (GE furniture, Amazon, Lowes, Home Depot, etc)
Total amount of available credit $100K
Scores (as of December 2013) Equifax 714 | Experian 714 | Transunion 727
Short term goal is score 750+ across the board
Long term goal is to have all scores close to 800 or 800+
Message 2 of 9
codimom
Frequent Contributor

Re: Brief jump from the garden...

yes, thanks for catching that.  i meant my low one...
its too dang early! Smiley Happy

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Message 3 of 9
brianjb
Contributor

Re: Brief jump from the garden...

That is great!  I am excited for you.  

 

I have learned so much from this forum.  It is nice having good credit; makes life easier

AMEX TrueEarnings 10K | AMEX BCE 10K | AMEX Hilton Honors 10K | AMEX Hilton Surpass 2K | Bank of America 1-2-3 2K | Barclay Card 2K | Chase Southwest Premier Visa 6K | Chase Marriott Premier Visa 9K | Discover IT Card 1.5K | Merrick Bank 1.4K | Navy Federal Credit Union Visa 10K | Navy Federal Credit Union navCheck 15K | USAA Rewards 7K |+ tons of store cards (GE furniture, Amazon, Lowes, Home Depot, etc)
Total amount of available credit $100K
Scores (as of December 2013) Equifax 714 | Experian 714 | Transunion 727
Short term goal is score 750+ across the board
Long term goal is to have all scores close to 800 or 800+
Message 4 of 9
pt310
Frequent Contributor

Re: Brief jump from the garden...

Congrats Codimom! Smiley Very Happy

 

I hope you got a good rate with those scores on your refi! Nothing like saving money!

Message 5 of 9
myjourney
Super Contributor

Re: Brief jump from the garden...


@codimom wrote:

After 10 wonderful months of no apps I have voluntarily taken a HP for the purpose of refinancing my mortgage.
bye bye pretty gold spade...

 

I'll just replant this little seedling over by LS and we'll stay strong together.  No new credit cards, no new credit for anything else for a while.

 

on a brighter note?  when they pulled my 3 scores for the app, 2 out of the 3 started with that odd looking number 7 ... I haven't been in the 700s for so long I forgot what it looked like!  (702, 708 and the middle one was 682)  ... so that is progress in MY book!!!


Congrats on the refi and the scores

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 9
MsLadyRover
Valued Contributor

Re: Brief jump from the garden...

Congratulations!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 7 of 9
09Lexie
Moderator Emerita

Re: Brief jump from the garden...

Congratulations on the refi and it appears gardening paid off! 700's!
Message 8 of 9
SunriseEarth
Moderator Emeritus

Re: Brief jump from the garden...

Congrats on the refi!  Great progress!



Start: 619 (TU08, 9/2013) | Current: 806 (TU08, 6/06/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $53000 | Discover IT $46000 | NFCU cashRewards Plus WMC $33000 |Venmo VS $30000 | Cash+ VS $30000 | Macy's AMEX $25000 | Synchrony Premier $24,200 | GS Apple Card WEMC $22000 | WF Attune WEMC $22000 | Ralphs Rewards WEMC $20000 | Citi Custom Cash MC $19600 | Jared Gold Card $19000 | Freedom Flex WEMC $18000 | Amazon VS $15000 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Belk MC $10000 | Sephora VS $9400 | Wayfair MC $4500 | ~~
Message 9 of 9
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