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Garden Club - March 2018

Established Contributor

Re: Garden Club - March 2018

@AJC glad to hear your safe... Smiley Very Happy

Gardening 2020-2021
Total CL 113k+ UTIL 0.01% Uber Visa, DoubleCash, Quicksilver, Discover IT, Freedom Ulimited, Blue Cash, Premier Rewards GOLD
Message 1651 of 3,760
New Contributor

Re: Garden Club - March 2018

 After a very eventful and satisfying Q1 2018, I have reached some very unexpected, beneficial  and important financial milestones.

 

I refinanced my house from a crappy (and embarassing) mortgage at over 6.8% 30 year with a balloon that has been holding me down for 10 years to a 4.625% 20 year fixed at the same payment as before.  I refinanced my 2017 6.49% 72 month car loan down to a 2.99% 60 month car loan shaving a couple months off the payment with a $50 reduction in the monthly payment.  

 

Now I can sit back and relax as I am now ready to garden and enjoy this place and watch my scores recover.  I have learned so much in my short time on this forum. Things I wish I learned years ago, but hindsight is always 20/20.  I'm actually excited to see what my gardening efforts will bring.

 

Cheers everyone! First glass on me!   I will be here until March 2020.

You have to start somewhere, so HERE is THERE
Starting FICO 8 Score: 2-20-18 EQ 729 TU 698 EX 665
FICO 8 Score Upon entering the Garden: 3-14-18 EQ 719 TU 724 EX 681
Recent FICO 8 Score: 4-1-18 EQ 714 TU 721 EX 669
Goal Score: 750 across the board
The Good: all accounts current; utilization 8%
The Bad: 8 - 30 day lates (2013-2017); 3 60 day lates (2014-2016)
The Ugly: ONE CO 2014 - reporting as current CO on EXP (in dispute)


In the garden until March 2020
Message 1652 of 3,760
Senior Contributor

Re: Garden Club - March 2018


@carolinagirl11wrote:
 

Cheers everyone! First glass on me!   I will be here until March 2018.


Good morning, welcome to the garden.  All of that sounds awesome, and the bestest news is that it's ALREADY March of 2018.  Smiley Tongue 

 

Time flies when you're having fun.  Smiley Happy


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 1653 of 3,760
Senior Contributor

Re: Garden Club - March 2018

Good morning boys and girls.

 

No real gardening news to report.  I'm sitting quietly in the garden (cough, cough) waiting for next month to go chat with NFCU about the weather again...  I think that I'll be able to settle down and behave myself a bit better once that gets done.

 

DW will also be discussing the weather with NFCU next month, and chatting with American Express about 3X CLI... other than that, all is quiet.

 

She wandered over the garden fence last week, got a couple of denials, one approval, and one still pending.... we shall see.

 

 


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 1654 of 3,760
Community Leader
Super Contributor

Re: Garden Club - March 2018


@carolinagirl11wrote:

 After a very eventful and satisfying Q1 2018, I have reached some very unexpected, beneficial  and important financial milestones.

 

I refinanced my house from a crappy (and embarassing) mortgage at over 6.8% 30 year with a balloon that has been holding me down for 10 years to a 4.625% 20 year fixed at the same payment as before.  I refinanced my 2017 6.49% 72 month car loan down to a 2.99% 60 month car loan shaving a couple months off the payment with a $50 reduction in the monthly payment.  

 

Now I can sit back and relax as I am now ready to garden and enjoy this place and watch my scores recover.  I have learned so much in my short time on this forum. Things I wish I learned years ago, but hindsight is always 20/20.  I'm actually excited to see what my gardening efforts will bring.

 

Cheers everyone! First glass on me!   I will be here until March 2018.


Welcome and great job on the house and car, Smiley Happy I gotta say your stint might be one for the record books though,  until March 2018Smiley Wink. Call me Ishmael, but i think we just might be in March 18Smiley Wink




Gardening since 6/13/18
Goal: No hps or cli requests at least til 1/1/19, 7/13/20 preferable
Message 1655 of 3,760
Community Leader
Super Contributor

Re: Garden Club - March 2018

Looks like Tcbo beat me to it, lol, well that was easy , Whine WednesdaySmiley Happy

Morning folks looks like another sunny day ahead. Dad lost power yesterday for about 8 hours but when i got home i had it. Go figure.

Dont drink to much WHINE or you just might forget its not JanuarySmiley Wink



Gardening since 6/13/18
Goal: No hps or cli requests at least til 1/1/19, 7/13/20 preferable
Message 1656 of 3,760
New Contributor

Re: Garden Club - March 2018


@AverageJoesCreditwrote:

@carolinagirl11wrote:

 After a very eventful and satisfying Q1 2018, I have reached some very unexpected, beneficial  and important financial milestones.

 

I refinanced my house from a crappy (and embarassing) mortgage at over 6.8% 30 year with a balloon that has been holding me down for 10 years to a 4.625% 20 year fixed at the same payment as before.  I refinanced my 2017 6.49% 72 month car loan down to a 2.99% 60 month car loan shaving a couple months off the payment with a $50 reduction in the monthly payment.  

 

Now I can sit back and relax as I am now ready to garden and enjoy this place and watch my scores recover.  I have learned so much in my short time on this forum. Things I wish I learned years ago, but hindsight is always 20/20.  I'm actually excited to see what my gardening efforts will bring.

 

Cheers everyone! First glass on me!   I will be here until March 2018.


Welcome and great job on the house and car, Smiley Happy I gotta say your stint might be one for the record books though,  until March 2018Smiley Wink. Call me Ishmael, but i think we just might be in March 18Smiley Wink


HAHA!! I saw that this morning. I meant March 2020.  At this point March 2018 would have probably been the world's shortest gardening period.

You have to start somewhere, so HERE is THERE
Starting FICO 8 Score: 2-20-18 EQ 729 TU 698 EX 665
FICO 8 Score Upon entering the Garden: 3-14-18 EQ 719 TU 724 EX 681
Recent FICO 8 Score: 4-1-18 EQ 714 TU 721 EX 669
Goal Score: 750 across the board
The Good: all accounts current; utilization 8%
The Bad: 8 - 30 day lates (2013-2017); 3 60 day lates (2014-2016)
The Ugly: ONE CO 2014 - reporting as current CO on EXP (in dispute)


In the garden until March 2020
Message 1657 of 3,760
New Contributor

Re: Garden Club - March 2018


@tcbofadewrote:

@carolinagirl11wrote:
 

Cheers everyone! First glass on me!   I will be here until March 2018.


Good morning, welcome to the garden.  All of that sounds awesome, and the bestest news is that it's ALREADY March of 2018.  Smiley Tongue 

 

Time flies when you're having fun.  Smiley Happy


LOL!! Midnight typing.  After my last call with Barclays, it is clear I need to stay in the garden for more than 2 weeks. I'm extending my stay for 2 years. I want the diamond!!!

You have to start somewhere, so HERE is THERE
Starting FICO 8 Score: 2-20-18 EQ 729 TU 698 EX 665
FICO 8 Score Upon entering the Garden: 3-14-18 EQ 719 TU 724 EX 681
Recent FICO 8 Score: 4-1-18 EQ 714 TU 721 EX 669
Goal Score: 750 across the board
The Good: all accounts current; utilization 8%
The Bad: 8 - 30 day lates (2013-2017); 3 60 day lates (2014-2016)
The Ugly: ONE CO 2014 - reporting as current CO on EXP (in dispute)


In the garden until March 2020
Message 1658 of 3,760
New Contributor

Re: Garden Club - March 2018

Ahhhh!!! I see already that it's going to be a good time in the garden.  

 

Once this last round of inquiries hit, I can set my baseline. It will be interesting to see what happens to my scores when I sit back and do nothing, but tend to my crops.

 

My mom isn't on the forums, but I brought her into the garden with me. Now that I 've gotten my credit to a place where we just sit and wait for time to pass, I've shifted my focus to hers. She doesn't have a lot of credit, but she has what she needs and she has managed it better than I have expected. There are two tradeline negatives that we are working on getting removed and some medical collections. If we accomplish that, she should see a nice jump in her scores. I dragged her into the world of caring for her scores and now she check CK as much as I do checking for paid balances to update, etc. I'm looking forward to the day where she has a nice 700+ score and can get her own solid TL. Currently she has some store cards, a credit one (that I explained we will be paying off and closing as soon as the updated balance is reflected on her CR) and a BOFA secured cash rewards card. She is also an AU on my SPG and CSP accounts, so she will be in the garden with me as we work on those items and let her positive TLs age. 

 

It feels good to have company in the garden.

You have to start somewhere, so HERE is THERE
Starting FICO 8 Score: 2-20-18 EQ 729 TU 698 EX 665
FICO 8 Score Upon entering the Garden: 3-14-18 EQ 719 TU 724 EX 681
Recent FICO 8 Score: 4-1-18 EQ 714 TU 721 EX 669
Goal Score: 750 across the board
The Good: all accounts current; utilization 8%
The Bad: 8 - 30 day lates (2013-2017); 3 60 day lates (2014-2016)
The Ugly: ONE CO 2014 - reporting as current CO on EXP (in dispute)


In the garden until March 2020
Message 1659 of 3,760
Established Contributor

Re: Garden Club - March 2018


@carolinagirl11wrote:

Ahhhh!!! I see already that it's going to be a good time in the garden.  

 

Once this last round of inquiries hit, I can set my baseline. It will be interesting to see what happens to my scores when I sit back and do nothing, but tend to my crops.

 

My mom isn't on the forums, but I brought her into the garden with me. Now that I 've gotten my credit to a place where we just sit and wait for time to pass, I've shifted my focus to hers. She doesn't have a lot of credit, but she has what she needs and she has managed it better than I have expected. There are two tradeline negatives that we are working on getting removed and some medical collections. If we accomplish that, she should see a nice jump in her scores. I dragged her into the world of caring for her scores and now she check CK as much as I do checking for paid balances to update, etc. I'm looking forward to the day where she has a nice 700+ score and can get her own solid TL. Currently she has some store cards, a credit one (that I explained we will be paying off and closing as soon as the updated balance is reflected on her CR) and a BOFA secured cash rewards card. She is also an AU on my SPG and CSP accounts, so she will be in the garden with me as we work on those items and let her positive TLs age. 

 

It feels good to have company in the garden.


Welcome to you and your mom!!!

Jan 2017- 520s across the board
Current - EQ: 637 EXP: 647 TU: 644
First Goal/July 2018: 660+ across the board
NCFU CR $4.6k GR $10k/Z Gallerie $3.5k/CareCredit $7k/Discover IT $1.5k/Merrick Bank $1.6k/Quicksilver $750/Ulta MC $1.5k
Gardening until the 4th of July 2018
Message 1660 of 3,760