Garden Club Meeting - April 2013

[09Lexie]

@Emdee_MD
The best thing about gardening is during that time you can recover your CS, age your inq's and new accts. everyone here is trying to recover or gain points they lost or let baddies fall off to raise their CS. It can be overwhelming at first but it will get easier.

We are all here for you.

[09Lexie]

@TimeToRecover
You sound like me this month. It's hard to look but its a good lesson to learn.

I'm here with you.

[tcbofade]

Well, three of the scores that I can see updated today.

DW's TU 08 went up, my TU 08 went up, and my EX FAKO (via credit.com) went up.

Can't wait to see wally mart next month... 

[09Lexie]

@tcbofade

Your future looks bright!

[tattooedhusker]

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@tcbofade wrote:

Well, three of the scores that I can see updated today.

DW's TU 08 went up, my TU 08 went up, and my EX FAKO (via credit.com) went up.

Can't wait to see wally mart next month... 

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My EX FAKO's (credit.com and quizzle) both went up as well, broke the 700's. I know it's FAKO, but it still feels awfully nice!

[tcbofade]

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@Emdee_MD wrote:

It is so hard to go even a day without logging on here, or looking at my scores, sitting down looking at finances, planning out the best road to recovery. Deciding what to pay where, what action to take. and waiting why so hard ...

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No kidding.  I've been in the garden since August and am having the same difficulty.

DW had five inq's on her TU in April of 2012.  We're expecting to see a nice score bump tomorrow, when those are over 12 months old.  (She had two in May, and we're hoping for another bump 01 June)

She had one in July of 2012 and one in November of 2012...so, unless I'm mistaken, as of 01 June 2013, she will only have two inquiries "affecting her score" on TU.   (...and only three on EX.)

Her most costly "negative factor" is having one or more cards maxed out...that will ALSO be ZERO on the first of June.

I'm hoping to launch her TU into the high 600's...we shall see...

[tcbofade]

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@tattooedhusker wrote:

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@tcbofade wrote:

Well, three of the scores that I can see updated today.

DW's TU 08 went up, my TU 08 went up, and my EX FAKO (via credit.com) went up.

Can't wait to see wally mart next month... 

---

My EX FAKO's (credit.com and quizzle) both went up as well, broke the 700's. I know it's FAKO, but it still feels awfully nice!

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I am envious!  All of our scores are somewhere in the 600's...mostly due to utilization and inquiries...we're working on both, and I MAY be able to get DW into the 700's before the end of the year... 

[tattooedhusker]

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@tcbofade wrote:

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@tattooedhusker wrote:

---

@tcbofade wrote:

Well, three of the scores that I can see updated today.

DW's TU 08 went up, my TU 08 went up, and my EX FAKO (via credit.com) went up.

Can't wait to see wally mart next month... 

---

My EX FAKO's (credit.com and quizzle) both went up as well, broke the 700's. I know it's FAKO, but it still feels awfully nice!

---

I am envious!  All of our scores are somewhere in the 600's...mostly due to utilization and inquiries...we're working on both, and I MAY be able to get DW into the 700's before the end of the year... 

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That is exciting for you and the DW, dang this long journey!

[LS2982]

So I went for my daily 6 month denial on CLI luv with discover......same ole same ole!! They asked me for a HP.................I should have been like "YOU CRAZY!!!!! IM IN THE GARDEN!!!!!!"

Hands firmly in the soil!!!

#GardenStrong

[bluesnowman]

Lexie, the only reason I wanted go on the 1st is because I wanted to see if enough time had passed, as well as if I don't get approved instantly I could talk to my personal banker and maybe he could sway the underwriter a little bit to approve me, I'm sure they are going to pull EX anyways but I am hoping they pull TU instead (my best report.) I'm fine with any limit they give me tbh. The reason why I was planning to do it Friday is I don't have work until night and I dont have school Friday morning so I could do it then and then go to my banker. I am just planning to get it over with tommorow morning and just take my chances and worse comes to worse I'll talk to him and see what can I do. My scores from last month were EQ: 723 (myfico) EX: 715 (Amex denial letter) TU: 724 (myfico) with an income of 12,000 (student, but I have 2 jobs too.) My oldest card turned a year old last Thursday/Friday, and the other 3 cards were opened in October and November of last year. Once this is over, I'm going for the Delta Skymiles card on the 10th and then I'll be in the garden indefinitely. Sorry for the long post..lol.