February check in. I believe Jan 22 is my official re enter date.
Long Term (3+ years) Goal: 760 across the board.
Near Term (12 months) Goal: A 700 Mid score.
Focus items:
Pay down existing CC balance to 9% utility, all on a single 0 APR.
Simultaneously run required spend through 2 new cards.
No Hard Pulls. I may have to break this if I shop for auto insurance. Realtively unlikely I will.
Improve APR on one useless (but old) card, or PC if no HP on that.
Perform fruitless GWs on schedule.
I just got CLIs, or cards are too new, so my flurry of CLIs is done for a long while. That was a productive January though. On to February.
Good morning garden friends. Another 30 days have passed and I'm still sitting in the garden watching the butterflies. I wish, more like occasional flurries. Either way glad to be here. Looking forward to another month of credit growth and hopefully score increases. Best of luck to everyone.
Good Morning collecting my bronze spade! I am 1 month and a week app and inquiry free. I even paid off 2 of my 18 credit cards. So felling happy about that and looking forward to my 2 years in. I will pretty much be forced to Garden as my Util is something to be ashamed of 
and its gonna take me 2 years to pay this off and I will not app until im at least down 1%-5% Util. I can do it cuz I have some zen like patience and its always good to come to the forums and read and learn. As for my weight loss im down to 167lbs from 192lbs. Its nice to have small little victories. I wish us all the best in the month of LOVEEEEEE <3 
