December 2014 - Garden Thread

[Anonymous]

Checking in for December! No apps since Sept so I am doing good. Gardening is getting easier with time.

[Anonymous]

Been 5 days so far! I think I might be getting the hang of it! It's the most wonderful time to app..... errr i mean year!

[Anonymous]

Checking in, scores still on the rise with the latest FACO score updates.

How Credit karma says I have a 752 is beyond me. Credit.com, quizzle, and credit sesamee reprot 712-719. No way my TU score is that high, even as a FACO.

I know for sure my EXP is a 699 as chase just told me what it was with the Freedom I got last month.

FACO= lol

[Anonymous]

Checking in!  No matter what happens with my the credit union and my car, I'm going to do my best to stay in the garden until at least 7/2015.

[Anonymous]

Checking in and nothing new report, but then again, it's only been a week or so.

[Anonymous]

Checking in for December...Last app was Nov 4 for CSP and I'm finally at a place where I don't really have that itch to app.  I have all the cards I want for now and have more than enough available credit so I'm just going to enjoy my accomplishments and relax. 

Oh yeah!!  And if you don't count my first Diner's Club app snafu, I'm 6 for 6 on approvals!  Never thought I'd be so far ahead on my rebuild!

[Anonymous]

Joining the club! Gardening until 9-2015. 

[finallyfixingit]

I have been in the garden for exactly two weeks today. My goal is to stay 6 months, but there is a possibility for a longer stint.

[wmweeza]

Checking in for December.

Next month I get my spade back!

For right now I'm still content with where I am credit wise, no need for new applications, and my AMEX just started reporting last week.

Today is cyber monday, which normally would be fun, but ever since I opened my online business it means the kick off to non stop work, happy work, but non stop. I'll probably pop in to read posts here just to take a break and relax!

I hope all is well on your side of the screen

[Anonymous]

I am officially joing the garden for 1 year! I had a great October where Cap One, Care Credit, and Target gave me a CLI and Barclays and Logix finally gave me a card at all. I also added VS, Gap,Justice,and TJ Maxx to my profile and although they are toy limits I have used each line and PIF every time I do. Then in November I had the best luck of my credit life thus far. Logix increased my new 500 card to 7k which is my highest limit. Then they gave me a personal loan of 7k in order to consolidate the Avant (insane interest rate loan) and Springleaf loans that were drowning me in debt. My situation is now solid so it is the perfect time to get in the garden since my inquiries are now in the 20s and aging my profile is just what I need. I dont think there are any cards that I really want right now since I want to focus 100% on paying my debt off.