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Garden Club Meeting - March 2013

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ceemee2203
Regular Contributor
‎03-20-2013 07:19 AM
‎03-20-2013 07:19 AM

Re: Garden Club Meeting - March 2013

@pazuzu wrote:

 

 

This is exactly how I feel this AM.

Same here since I'm sick.

Current Cards: AMEX Everyday ($15k), AMEX BCE ($20k), Amex Platinum, Arrival ($11.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($6.5k)

2/16 - 864 Fico EQ (CITI); 818 Fico Ex (AMEX)
Message 1171 of 1,535
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YahComb
Established Contributor
‎03-20-2013 07:45 AM
‎03-20-2013 07:45 AM

Re: Garden Club Meeting - March 2013

@YahComb wrote:

3 points away. Since getting scorewatch, i have not hit above 696 until today. I just had 1 of 3 balance reporting cards go from ~4% down to 0. Previpously i could only hit 696 when i had one card reporting a small balance. In less than 3 weeks i'll be down to 4 inquiries in 12 months, and ill try to get back to 1 card with a small balance. Hope that gets me to 700 finally, even if just barely.

 

Watch me end up at 699 lol.

Well scorewatch updated today. chase went from 39/5000 to zero, my BOA is reporting 285/6000, only one reporting a balance.

 

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701!!!!

 

after a year with scorewatch, finally broke 700!

 

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |
Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Message 1172 of 1,535
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starry1
Valued Contributor
‎03-20-2013 08:06 AM
‎03-20-2013 08:06 AM

Re: Garden Club Meeting - March 2013

Congrats on hitting the 700 club!

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 1173 of 1,535
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gijoe4500
Regular Contributor
‎03-20-2013 08:12 AM
‎03-20-2013 08:12 AM

Re: Garden Club Meeting - March 2013

Well, i'm still in the garden.  Really wanting to buy a house this coming summer, which is helping me resist the urge to app for some cards with better rewards.  My recent string of CLI's helped to hold me over a little bit though.  And in 2-3 months, I should be able to do it again.  Hopefully GECRB is still feeling generous then!

Starting Score: MyFico TU: 621 EQ: 610
Current Score: Discover TU: 829 Discover EX: 827
Goal Score: 700's baby! (made it 4/10/2013!)
New Goal: 830!!
Message 1174 of 1,535
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LS2982
Mega Contributor
‎03-20-2013 09:32 AM
‎03-20-2013 09:32 AM

Re: Garden Club Meeting - March 2013

Does a PC count as leaving the garden??


EQ FICO 548 3/3/16
Message 1175 of 1,535
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calihlove75
Established Contributor
‎03-20-2013 09:41 AM
‎03-20-2013 09:41 AM

Re: Garden Club Meeting - March 2013

I have been in the garden 4 months ( well in 3 days) ! Still not seeing a dramatic shift in my scores yet though ;(

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 1176 of 1,535
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09Lexie
Moderator Emerita
‎03-20-2013 09:44 AM
‎03-20-2013 09:44 AM

Re: Garden Club Meeting - March 2013

@LS

I wouldn't think so because its more like an exchange of existing credit just getting better terms.

I could be wrong.

Closing Credit Cards

The Definitive Amex 3X CLI Guide

Frequently Requested Threads
Message 1177 of 1,535
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Ravensfan2001
Established Contributor
‎03-20-2013 09:44 AM
‎03-20-2013 09:44 AM

Re: Garden Club Meeting - March 2013

Changing to a bronze spade tomorrow! Smiley Surprised


Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Current Score (9/3/15): Wally TU 639 | Amex EX 628 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 8/1/15. TU-5; EX-16; EQ-13. Aiming for ZERO inqs.
Message 1178 of 1,535
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09Lexie
Moderator Emerita
‎03-20-2013 09:47 AM
‎03-20-2013 09:47 AM

Re: Garden Club Meeting - March 2013

@ Ravensfan

YAY!!!

Closing Credit Cards

The Definitive Amex 3X CLI Guide

Frequently Requested Threads
Message 1179 of 1,535
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pazuzu
Frequent Contributor
‎03-20-2013 10:30 AM
‎03-20-2013 10:30 AM

Re: Garden Club Meeting - March 2013

 

 

Still in the garden but daydreaming about approvals and CLIs 


No apps/new accts since 2011

***FICO EXPERIAN 830***
***FICO EQUIFAX 828***
***FICO TRANSUNION 822***




Message 1180 of 1,535
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