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Garden Club - June 2018

Senior Contributor

Re: Garden Club - June 2018


@K-in-Boston wrote:

@simplynoirthat post rang really close to home for me with my DW.  Leaving the garden by proxy is the Garden Club equivalent to methadone.


Exactly! Smiley LOL

FICO 08 Scores (Jun-18): TU 795, EQ 797, EX 791

Message 41 of 2,849
Mega Contributor

Re: Garden Club - June 2018

Smiley Happy Checking in for June! 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 42 of 2,849
Valued Contributor

Re: Garden Club - June 2018

Hellllllllo, June! 

Gardening until June 2019

Starting FICOs: EX 623, EQ 589, TU 600 (06/10/17)
Current FICOs: EX 697, EQ 672, TU 700 (06/18/18)
1st Goal FICOs: EX 750, EQ 750, TU 750 (??/??/??)
Message 43 of 2,849
Community Leader
Super Contributor

Re: Garden Club - June 2018

Gardening is best once you realize redacting only shows hard pulls with nothing to show for it.

Shooting blanks isnt fun, its pure SchneesheeSmiley Wink



Gardening since 6/13/18
Goal: No hps or cli requests at least til 1/1/19, 7/13/20 preferable
Message 44 of 2,849
Established Contributor

Re: Garden Club - June 2018

Happy 1st fellow gardeners. As Bone Thugs n Harmony sings, " Wake up, Wake up, Wake up Its the first of the month!" I am trying to stay in the garden but just been happy for everyone who has been getting nice cards and limits to go with them. As we are traveling more and doing all these concerts, I will have to keep control to PIF.  Drinking coffee and will change to my Italian and French brews for the summer. 

Message 45 of 2,849
Valued Contributor

Re: Garden Club - June 2018

6 months strong...heading for 7.

Gardening since 11/29/17
Over $400K in credit
TU:731 EQ:705 EX:721


Message 46 of 2,849
Established Contributor

Re: Garden Club - June 2018

Thank you @sasha and the same for you!

New 2018 home owner!
Goal- All FICO 9 scores at 675 or above
9/16/17 FICO 9 TU-661 EQ-648 EX-607
12/27/17 FICO9 TU-706 EQ-672 EX-690
3/16/18 FICO9 TU-700 EQ-669 EX-716

Simulator Test - 3/17/18 FICO8 TU-651 EQ-712 EX-778 w/ high utilization
Results - 4/11/18 FICO8 TU-653 EQ-710 EX-779 w/ 5 x 0% utilization
Message 47 of 2,849
Valued Contributor

Re: Garden Club - June 2018

My self lender loan matures at the end of the month. I'm considering dropping the money into a Chase account next month to see what might shake out...

Gardening until June 2019

Starting FICOs: EX 623, EQ 589, TU 600 (06/10/17)
Current FICOs: EX 697, EQ 672, TU 700 (06/18/18)
1st Goal FICOs: EX 750, EQ 750, TU 750 (??/??/??)
Message 48 of 2,849
Established Contributor

Re: Garden Club - June 2018

Planning to Garden till June 2019. Barclay is simply denying anything due to too many inquiries. As someone just said here no fun to have meaningless inquiries. Btw asking for cli which is an SP is not cheating right ? Smiley Happy

Starting Score: EQ: 499
Current Score: EX: 698, EQ: 676, TU: 711


Shell FCU : 5K, ToysRUs: 2k, CreditOne: 500
Message 49 of 2,849
Community Leader
Senior Contributor

Re: Garden Club - June 2018


@sghosh5 wrote:
Planning to Garden till June 2019. Barclay is simply denying anything due to too many inquiries. As someone just said here no fun to have meaningless inquiries. Btw asking for cli which is an SP is not cheating right ? Smiley Happy

Not cheating at all, and actively encouraged if one of your goals is to grow your current lines.  We'd love to celebrate them with you!


Message 50 of 2,849