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Garden Club - June 2018

Established Contributor

Re: Garden Club - June 2018


@VoltronM wrote:

June im so exited ,,summer time baby

quick question guys whats your secrets to stay in garden ?


I have no want or need to app for anything right now... 3 cards is more than enough for me.  So, gardening comes easy for me.

 

Living with these tiny limits is harder... especially since I pulled the two higher limit cards out of my wallet... but my gardening goals include no CLIs, SP or otherwise... so I have to stick with it...

 

Geez... missed the 1st page.  I always seem to be the 1st on the next page though...

 

 

TCL: $4,000. $500 in wallet, remainder locked away to limit spending.
Gardening until I have $40K in savings. 16% to goal
FICO September 2018: TU 816 (9/20), EX 762 (9/4)
FICO October 2018: EX 792 (10/11), TU 816 (10/19)
FICO November 2018: EX 792 (11/10)
Message 51 of 3,863
Established Contributor

Re: Garden Club - June 2018

You have massive scores to have that low credit lines though

Starting Score: EQ: 499
Current Score: FICO 8 EX: 734, EQ: 732, TU: 760, FICO 9 EX: 775, EQ: 776, TU: 771




Shell FCU : 5K, CreditOne: 700, BBVACompass Express Loan : $35000
Message 52 of 3,863
Established Contributor

Re: Garden Club - June 2018


@simplynoir wrote:

@VoltronM wrote:

June im so exited ,,summer time baby

quick question guys whats your secrets to stay in garden ?


The real possibility of getting declined for getting approved for so much in a short period of time despite my credit stats. Smiley Embarassed Helping my two younger sisters starting their credit journey helped a lot too in soothing the itch. And now with GF wanting in on the game I'm guessing it'll only help more.


Yep, the DW getting the Navy More Rewards Amex card and new truck is me living through her when it comes to credit for a while. She is not heavy in the game but she get a discover mailer EVERY freaking week with 0% offers and Capital One Venture offers. Off to the shredder it goes. I just get offers to refinace my car, house, or Merrick. Smiley Frustrated

Message 53 of 3,863
Frequent Contributor

Re: Garden Club - June 2018

Checking in for June with a brand new spade and a increased myfico score of 682..   How good of score is that by the way?

Newegg Card $1200| Amazon Card $1000| Walmart Card $1100| Current Fico score is 672 currently Gardening for the time being. Been a member of the Garden since 11-21-17 Planning to stay until Mid-2019.
Message 54 of 3,863
Established Contributor

Re: Garden Club - June 2018


@sghosh5 wrote:
You have massive scores to have that low credit lines though

When I have to keep monthly spend under $1500 a month (and even better, under $1k/month), I have no need for sky high limits...

 

TCL: $4,000. $500 in wallet, remainder locked away to limit spending.
Gardening until I have $40K in savings. 16% to goal
FICO September 2018: TU 816 (9/20), EX 762 (9/4)
FICO October 2018: EX 792 (10/11), TU 816 (10/19)
FICO November 2018: EX 792 (11/10)
Message 55 of 3,863
Super Contributor

Re: Garden Club - June 2018

So, karma is a b*tch...

 

After picking on DW for her EX Fico 8 score (666), my TU Fico 8 updated today... to 666.  Smiley Frustrated

 

Finally talked DD into checking her EX Fico 8 (courtesy of Discover)...  683.

 

Somehow, this seems horribly unfair...  Smiley Tongue

Zero percent financing is where the devil lives...



Message 56 of 3,863
Frequent Contributor

Re: Garden Club - June 2018

Happy June everyone!!  Still here, nothing special going on creditwise. Hope everyone is enjoying the weather and summer salads!!  Overstock fairy finally delivered my Split King size adjustable bed with cool gel memory foam mattress with wireless remote/massage function.  Who knew sleep could be so good!!  




Instead of waiting for the storm to pass, I've learned to dance in the rain.
Message 57 of 3,863
Established Contributor

Re: Garden Club - June 2018

Keeping monthly costs below 1K is a big challenge when you have a toddler at home. Still trying to PIF every month on all cards so having multiple cards with different closing dates help in that

Starting Score: EQ: 499
Current Score: FICO 8 EX: 734, EQ: 732, TU: 760, FICO 9 EX: 775, EQ: 776, TU: 771




Shell FCU : 5K, CreditOne: 700, BBVACompass Express Loan : $35000
Message 58 of 3,863
Senior Contributor

Re: Garden Club - June 2018

 Checking in for June. 

Message 59 of 3,863
Valued Contributor

Re: Garden Club - June 2018

gardening by force these past 2 months has actually been a good thing.. since i cant have anything i dont want anything..
both me and bfs scores keep creeping up since its been so long since LO has pulled our scores i know she'll pull again whenever we finally get to closing.. so idk if that will help our interest rate any with a first time home buyer loan but hopefully!
| Discover $11,500 - Capital One $4,500 - Care Credit $7,000 - Lowe's $5000 - Honda Financial Lease - Ch 7 BK 12/2013 - First Time Home Buyer!! Close 8/21/18 -|
Message 60 of 3,863