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Garden Club - February 2018

Frequent Contributor

Re: Garden Club - February 2018


Wow!   Very impressive and after my own heart.  I want a diamond too, but I don't want to wait two years.  My DH owes me a replacement one, my center diamond fell out and we haven't been able to replace it.  Maybe when we earn a diamond here we can get a diamond in real life too...time to start saving so we don't have to leave the garden to get one!
Joined the Garden Jan - Last app/HP 1/01/2018
2018 Goal: Garden, 720+, Build savings....... 2019 Goal: 750+.......2020 Goal: 800+ (maybe buy first home?)
FICO 8: Experian.. EQ 717 TU 709 EX 718 (5/16/2018)
(02/08/17) EQ 682 TU 628 EX 650 ............ I think in 2015 we started at 535 or 550 I can't remember and didn't notate it
Cards - Discover it, Pen Fed Cash rewards, AMEX BCE, Cap 1QS, Amazon, Macy, Old Navy, Wayfair, Care Credit

Message 21 of 2,597
Established Contributor

Re: Garden Club - February 2018

Hello fellow GCers.


Went on a short vacation middle of last month, and well, couldn't keep up with the January thread when I got back. Welcome new gardeners, welcome back gardeners, and I am sorry for missing all the usual fun conversations. Smiley Happy 


Checking in for Februrary. Nothing new or exciting from the credit world to report, this month marks my eleventh month in the garden, which is 2 months longer since I started to frequent the boards. I really love the emerald spade (which is weird because I fancy me some sapphires IRL), so I think I'll shoot for that later this year. Maybe. We'll see. Eek. 


Incidentally the locking of CR and plain ole inertia has made this a lot easier to maintain. Smiley Tongue 


Garden strong, folks. 



Garden Club Member since 4/1/2018
Message 22 of 2,597
Regular Contributor

Re: Garden Club - February 2018

Check in for Feb 18.
Message 23 of 2,597
Established Contributor

Re: Garden Club - February 2018

Happy February.  Here’s to another month with no apps. Starting month 9 with no apps in sight. Will drop an inquiry this month on all three and will have no inquiries effecting my EQ by March. Took some big hits on that one last year after moving. Scores are doing well overall. Just enjoying the garden and waiting for spring.  

Fico 8 scores: EX 845 TU 827 EQ 826
Message 24 of 2,597
New Contributor

Re: Garden Club - February 2018

Happy February everyone! Excited to spend the 14th with my Bull Terrier, Roman. 

Smiley Very Happy 

AMEX Blue Cash Everyday, Chase Freedom, Capital One Quicksilver, PayPal Extras MC, Discover It, Citi Double Cash WEMC, Citi Costco Anywhere VS, Capital One Platinum, Barclays Uber Visa |
Message 25 of 2,597
Mega Contributor

Re: Garden Club - February 2018

Smiley Happy Checking in for February still gardening strong!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $10k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 26 of 2,597
Frequent Contributor

Re: Garden Club - February 2018

February check in. In about 2 weeks it will be 4 months. Am thinking it is a good thing I stayed in the garden instead of applying using the excuse of anticipated big spend aka yearly vacation with friends. It so happened that my friend wanted to use her credit card instead. There goes my chance of 3% cash back. :'( There's always next year. Smiley Wink
Message 27 of 2,597
Valued Contributor

Re: Garden Club - February 2018

good morning here i am.. valentines day bah humbug.. its a weekday this year any way. we both have to work plus its ash wednesday.. so.. no candy for you! ha!

is it summer yet?
Cap1VentureOne 3750 | Gamestop 2450 | Discover 10000 | Amazon Prime Store Card 3500 | Care Credit 7000 |Honda Financial Lease July 2017-2017 Honda Civic EX(early upgrade from 2015 Civic LX)
Ch 7 BK 12/2013 |
Message 28 of 2,597
Established Contributor

Re: Garden Club - February 2018


Time to play some Shirley Bassey diamonds are forever, just earned my diamond!

Very nice, I'm happy for you! Smiley Very 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 29 of 2,597
Senior Contributor

Re: Garden Club - February 2018

Good morning boys and girls.


Three BT's from last week posted overnight.  Currently, there is only one in process, with three more pending when their statements cut.


It is indeed February.  We've got about 19 days before the next round of statements start cutting with DW's new and improved cranberry, and by early March, her Fico8 scores should see a nice boost.  (Hoping for 700s!)


Hope that you are all off to a good start!


Gardening 18 Apr 2018-01 Nov 2018. Race me for the Gold!
Zero percent financing is where the devil lives...
10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
01/01/18 Fico8 scores: EX 655, EQ 661, TU 650
04/01/18 Fico8 scores: EX 637, EQ 630, TU 644 ow!
Message 30 of 2,597