Garden Club - December 2017

[simplynoir]

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@Anonymous wrote:

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@bluntco wrote:
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!

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So sorry to hear about the 63-point drop! That sucks.

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I don't believe USAA provides monthly FICO scores there. The monthly score updates are Vantage while the yearly ones are FICO 08/09 not too sure which one it is they give to customers.

[bluntco]

So, the USAA one isn't the true one? I pay for Experian monitoring and it has always been accurate. I'll disregard the lower one at USAA. I was just shocked because it makes zero sense!
Just like my TU ck is a good 70 points less then what it really is.
I'm struggling to decide on making a large purchase of a new washer and dryer. Our sears store is closing and the price cuts are deep! I would have to use a 0% offer, as I won't be able to pif for a few months. Decisions.....

[Adkins]

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@bluntco wrote:
So, the USAA one isn't the true one? I pay for Experian monitoring and it has always been accurate. I'll disregard the lower one at USAA. I was just shocked because it makes zero sense!
Just like my TU ck is a good 70 points less then what it really is.
I'm struggling to decide on making a large purchase of a new washer and dryer. Our sears store is closing and the price cuts are deep! I would have to use a 0% offer, as I won't be able to pif for a few months. Decisions.....

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Utilization is a temporary thing. As long as you pay it off before the 0% rate is over, you're good! A good deal is a good deal, even better if you need what's on sale.

[simplynoir]

Yeah, because that's the only way I can see where there is a large discrepancy between the monitoring service you're paying for and USAA's version. Just treat it like CK scores and you'll be fine.

[Anonymous]

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@Adkins wrote:

I'm actually going to be very busy at work for the next few hours, so y'all play nice in the garden! I'll pop back in after lunch (or between tests if I have a moment!). 

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ill be very bored at work the next few hours so.. i'll take your spot ;-)

[Adkins]

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@Anonymous wrote:

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@Adkins wrote:

I'm actually going to be very busy at work for the next few hours, so y'all play nice in the garden! I'll pop back in after lunch (or between tests if I have a moment!). 

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ill be very bored at work the next few hours so.. i'll take your spot ;-)

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Go for it! 😁

[Anonymous]

Good morning everyone, hope everyone is doing well. I've been away for a couple of days, but I am excited to pick up my Silver spade this month. I checked my EX Fico scores today and it has gone up 8 points since November, placing me in the "Very Good" tier, so I am happy that the gardening is paying off. Hopefully, by next spring I would be in a better position to apply for a Visa Signature card with a good APR. As much as I love December and the holidays, it is also the month where temptations are at it's highest, so garden strong and garden hard everyone. 

[bluntco]

@sasha... did you get your open enrollment?

I just interviewed a lady who was left with 000.00 after 31 years of marriage.

This is why I push myself to be independent, even if I'm happily ever after
This is also when my wacky credit OCD makes sense.

I'm going to buy that washer and dryer I think. Even on their website it's showing @$1149 each, at the store, they are $699 each.

[Anonymous]

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@bluntco wrote:
@Anonymous... did you get your open enrollment?

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yea all signed up.. ha!  the rumor mill still says we're getting laid off after the first of the year............

[Anonymous]

oo oo since its the 1st i just remembered to check my experian.. my score went up 3 points from 666 to 669. whew, yay, and hehe! (sorry can't help myself!)

edit: message 70 on page 7 - woo!