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Garden Club - December 2017

Established Contributor

Re: Garden Club - December 2017

  1. Happy December everyone. Can’t believe the year is almost over. Hit 6 mos about a week ago. No plans to add anything. Credit is steady.  EQ improved a few points. Hope everyone has a fabulous holiday season. Watch that utilization! Lol!!!!

Fico 8 scores: EX 849 EQ 831 TU 827
Message 41 of 4,148
Valued Contributor

Re: Garden Club - December 2017


Jimp2323 wrote:

Is it Easter yet?

 

 

I hate wintertime--and it's not even cold yet.Man Sad


i agree!


Message 42 of 4,148
Valued Contributor

Re: Garden Club - December 2017

So my question is, my last hard inquiry across all bureaus was in July 2016. Is this the right GC thread for me? And also I just had a federal student loan hit my credit report which reduced my AAoA by 2 months however there are no HP associated with it. Is this a disqualifier considering the student loan is a new account regardless of the absence of a HP? Thanks

Macy's AMEX $47,000| Citi $13,000| CapOne $18,000| Chase $25,000| SYNCB $53,000| Fidelity $7800| Discover $3,000| NASA FCU $3,500| BestBuy $6,100| Barclay $4,400| TD Bank $1,000|

Starting Score: 490
Current Score: EQ 728 (681 as of 07/30/14) EX 721 TU 735 (669 as of 07/30/14)
Goal Score: 780

Take the myFICO Fitness Challenge
Message 43 of 4,148
Valued Contributor

Re: Garden Club - December 2017

Just over 1 month in the garden now. Nothing much new to report - waiting for the next round of credit scores to come out, looking at putting in a couple of CLI apps and starting to prepare for Christmas.  P.S. EX FICO 8 went up 3 points as of today. Smiley Happy

Ch 7 BK discharged 12/14, well along in rebuilding credit. FICO 6/26/18:TU 665/EX 697/EQ 685 FICO 8 or 682 FICO 9 (Penfed 5/18), VS 3.0 7/5/18: TU 707/EX 709/EQ 701. $81,100 revolving credit as of 7/11/18; $4800 Discover It, $5000 Walmart Store Card, $5500 Discover It #2 (new 3/12/18), $6000 Paypal 2% CB MC, $6000 Amazon Prime Store Card, $7000 Apple FCU Platinum Visa, $7000 Penfed Power Cash Rewards Visa, $8800 Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening (except CLI's) from 7/3/18 to at least 1/3/18. 22 HP inqs total as of 7/3/18: 9 TU, 9 EQ, 4 EX (about half over 1 year old).
Message 44 of 4,148
Contributor

Re: Garden Club - December 2017

Reached exactly 2 years credit history today with an average age of all accounts being 10 months. I still plan to garden until 2019 though.
Message 45 of 4,148
Valued Contributor

Re: Garden Club - December 2017

Good morning, MFs! Keeping current in the garden so I don’t get buried! 

 

Any birthdays we can celebrate this month?

 

Wow, @AJC secret raffle? 

 

Wishing you all a great day! All day training (web) at work. New construction software, how fun 😆.





Message 46 of 4,148
Valued Contributor

Re: Garden Club - December 2017

Goal for December: all 3Bs reporting above 740.





Message 47 of 4,148
Established Contributor

Re: Garden Club - December 2017

Hope everyone has a great December & hope my util doesn't climb too high lol! Keep up the good work & spirits Smiley Happy

Current FICO 8's: EX 713, TU 707, EQ 712
Gardening for 1 months so far
Oldest TL: 5yr 11mo - AAoA: 2yr 11mo - INQ: EX(7) - EQ(1) - TU(6)
Plans: Pay off medical debt; Get a car
Message 48 of 4,148
Established Contributor

Re: Garden Club - December 2017

Good morning from Colorado! Supposed to be 57 today. I'll live
My Experian dropped 5 Inquiries, score stayed the same. However, my USAA credit score which is also Experian, went down 63 points. I'm really confused. There is a solid 82 points difference in those scores.
I promised myself ill do better this month with no HP triggers, no new TL. I'll get back to my bronze spade on Dec 25th.
Happy December folks!
Message 49 of 4,148
Established Contributor

Re: Garden Club - December 2017

Good morning My Fico folks, we have made it to another December in the garden. I have been tending to garden and only working on CLI's, aging my accounts, and waiting for baddies to drop off my reports. EX is at 683, my highest and the other two are at 663(not sure why they wont budge). Anyway, drinking coffee as always(thanks Starbucks for my rewards get so often) and the stock. Anyway, I may have to start on my greenhouse as its getting cold out in garden. Smiley Happy Have a great MF holiday and hopefully, there is no need to app for holiday shopping.

 

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Message 50 of 4,148