Garden Club - May 2017

[Anonymous]

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@Anonymous wrote:
Checking in for the first time since i got approved for the last card that i wanted. Day 0 out of what i hope will be 2 years or when we but a house.

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Welcome to the garden!

[Anonymous]

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@Anonymous wrote:

Happy Friday everyone! 

Got a small 10pt score bump after my mom's maxed out Amex stopped reporting on my CR. I'll take what I can get.

I've started aggressively paying down my car loan so I can have that paid off soon, I've got plans to buy out my lease when the contract ends. So far I've seen 2 inquiries fall off both Transunion and Equifax no score improvement but I'm just happy they're gone.

I now have 5 on Transunion and 14 on Equifax, I'll be down to 2 on Transunion and 8 on Equifax by the end of the year. Staying in the garden til April 2019.

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Congrats on your score increase!

[Anonymous]

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@Sandman771 wrote:

That worked!! I appreciate it!  And my Ex came up to 499 lol. Not great but better than march. 

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Awesome! Glad you were able to sign up for the premier. 👍

[Anonymous]

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@prettylady wrote:

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@Sandman771 wrote:

Just like my credit they no longer offer the premier. lol. I'll stick with what I got I guess. I'm scheduled for a new 3b in June, so that should help a lot. 

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There is a link floating around here somewhere.  I just signed up for the premier 3 days ago.  I'll see if I can find it for you. 

Maybe try this  https://secure.myfico.com/signup?product=8610  I had to stop it mid-load and reload and it worked for me.  It  got stuck processing my payment,  I had to check my card for a pending payment.  I closed the window and opened myFICO back up and it was there.  Good luck!

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Awesome job with the link prettylady!

[ambivalent]

I'm just passing on the blessings!  When I read in one of the threads that you had to call and ask for it, I did and the nice lady told me that it was only for certain members and there was a link you had to have.  I searched more on here and voila! It was posted by palmdale with the reload instructions.

[Sandman771]

A special Thank you to you Pretty lady. 

I had just renewed this morning, so I had to talk to a customer care rep. but he refunded my money from this morning and let me process it as if new. And it pulled a new 3B today for me as well as updating my scores. (they are all still red though, but it will be ok eventually). Thank you both again very much!

[Anonymous]

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@prettylady wrote:

I'm just passing on the blessings!  When I read in one of the threads that you had to call and ask for it, I did and the nice lady told me that it was only for certain members and there was a link you had to have.  I searched more on here and voila! It was posted by palmdale with the reload instructions.

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It would be nice if they just switched to the premier all together. The ultimate, quarterly option, stinks if you're really monitoring specific things on your credit...like the mortgage scores. 

[Anonymous]

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@Sandman771 wrote:

A special Thank you to you Pretty lady. 

I had just renewed this morning, so I had to talk to a customer care rep. but he refunded my money from this morning and let me process it as if new. And it pulled a new 3B today for me as well as updating my scores. (they are all still red though, but it will be ok eventually). Thank you both again very much!

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That's fantastic! Glad they took care of you Sandman!!! Now you have the monthly update which is awesome!!!

[Sandman771]

I have to admit that the customer service was really good. I even completed one of those surveys. lol 

[Meanmchine]

Ive decided to enter the garden til at least November.  I applied today for the Chase Amazon card. The CSR who processed the app was definately from a foreign call center as I had difficulty understand him. He told me I was denied because of two charge offs. Im GLAD that was the reason as I thought I might have been blacklisted. These 2 COs are almost 7 years old and in November, my TU file will be 100% clean. Ill know for sure when the letter arrives next week.

I am proud of myself as I have a habit of getting denied just to apply for another card immediately. This time I stopped at the iinitial denial.