I'm in for December.
I was gold until late last month. Now I'm a seedling again. 
But it's been a big year. Have achieved too many credit goals to mention: new tradelines, big CLIs, a better selection of cards, scores above 760 and more. Now it's time to plant myself and my cards in the garden.
Goal for next year: get my score in the 780-790 range just by gardening and keeping util low. (Maybe even get the score touching 800, but the thought of that scares me!)
Thanks, Lexie! Thanks all. MyFico is a big help, but also a place of big temptations.
@Stonemanmv wrote:
I'm here too
I had both games recorded to my DVR! I feel asleep and the recording quit before the end of the Vikings Bears game overtime! 
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
After applying for an AMEX CC and getting approved I have reset my time in the garden. So I'm still in the "seedling," stage but I do have to say I am quite happy with my line up of cards right now. And before the year ends I'll have a bronze spade!
For the next year, I plan on maximizing my rewards and hopefully get at least one or two free flights with points/cash back earned since I do plan on traveling at least 2 or 3 times, possibly more. Also, I plan on improving and maintaining good credit so I can get a car loan at a great rate in 2015. If everything goes right 2014 will be a great year credit wise.
Happy gardening to all!
Ah so many things around the start of the new year credit wise for me!
2013 was a year of getting righteous with the IRS and qualifying for a mortgage: I did manage to get the elephant resolved but still working through a couple of smaller issues which'll be finished out in December, so that's on track; however, the mortgage went nowhere this year.
Was hoping to get to 680 on my EQ '04 score from a mortgage underwriting perspective, that didn't happen as I seem to be stuck at 670; however, on the plus side Dec/Jan/Feb is celebration for my gardening as:
- My derogatories turn 3 years old (Dec)
- My initial positive tradelines turn two years old (12/29/13)
- My two year forum anniversary! (12/30/13)
- My most recent inquiries all turn one year old (1/13/14)
- My AAoA turns 2 in February.
Plan is still the same as it is every gardening update for me: try to take over the world! Oops, get mortgage qualified that is! Probably in the Jun-Oct timeframe, after that will be some random couple of cards or two, may start working business credit actually.
Debating pulling my annual scores till 1/15 in light of my inquiries falling out of scorable range rather than New Years as I typically do, guess depends how hungover I'm feeling that morning 
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Hope everyone had a great start to their holiday season, and may your gardening wishes come true as the holidays continue!
Cold. I always add 1 hr to my recording. I like to wait 45 min then watch so I can blow through the commercials
@Gunnar419 wrote:I was gold until late last month. Now I'm a seedling again.
Goal for next year: get my score in the 780-790 range just by gardening and keeping util low. (Maybe even get the score touching 800, but the thought of that scares me!)
Thanks, Lexie! Thanks all. MyFico is a big help, but also a place of big temptations.
Yes, you did have a good year. Congrats on all your successes!
@Stonemanmv wrote:
Cold. I always add 1 hr to my recording. I like to wait 45 min then watch so I can blow through the commercials
I did on your game!
@FocusedAndDetermined wrote:
@Gunnar419 wrote:I was gold until late last month. Now I'm a seedling again.
Goal for next year: get my score in the 780-790 range just by gardening and keeping util low. (Maybe even get the score touching 800, but the thought of that scares me!)
Thanks, Lexie! Thanks all. MyFico is a big help, but also a place of big temptations.
Yes, you did have a good year. Congrats on all your successes!
Thanks, FocusedAndDetermined! MyFicoans are the best!
Now, if I could only get that seedling to poke it's little head up in my signature. You'd think I'd be good at that part by now. 
But you were sleeping? That's why I won whew!! ( close one)