I've been busy the last few weeks getting things situated in my UK home, but I thought I would stop in to mention that I found something silvery in my garden yesterday and have finally trashed my worn and rusty bronze spade!
My util is slightly above 10% (about 12% actually) recently, causing my scores to drop a few points while gardening, but I have been buying a lot of stuff in the last 3 months and will get that in check eventually. I have a 0% offer on one card, so I might as well use it. The util (and small score drop) really doesn't bother me at the moment, because I don't plan on applying for any new credit anytime soon.
EX:694 TU:744 EQ:777
And here I was nervous about my 7 inq on EQ.
After being declined for a $200 secured credit card from my own bank two years ago, I started the rebuilding process, and I think I've made really solid progress both for myself and DH.
Over the past few months we've been approved for a $200 Target card, a $500 Chase Freedom card, an $800 Wal-Mart Discover card, and as of today, a Ralphs Rewards Plus Visa with a $6000 limit. So I am officially in gardening mode, waiting for the baddies that wouldn't budge to fall off in about two and a half years.
Happy gardening everyone!
EX 695, EQ 703, TU 681 (1/17)
@SFernandez13461 wrote:After being declined for a $200 secured credit card from my own bank two years ago, I started the rebuilding process, and I think I've made really solid progress both for myself and DH.
Over the past few months we've been approved for a $200 Target card, a $500 Chase Freedom card, an $800 Wal-Mart Discover card, and as of today, a Ralphs Rewards Plus Visa with a $6000 limit. So I am officially in gardening mode, waiting for the baddies that wouldn't budge to fall off in about two and a half years.
Happy gardening everyone!
Congratsss!! Welcome to the garden! Nice seedlings there! With faithful gardening you'll be able to get just about any card you want later on!
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Thanks, Webhopper!
I'm hoping after some time passes I'll be jumping to the mortgage thread. We've got a long way to go, but at least we're a few steps closer.
Still here! 64 days app free and holding on strong.
School and work have been keeping me very busy so I really haven't had time to think about applying for anything.
I'm shooting for 90 days app free so I can upgrade my spade!
@MsLadyRover wrote:Still here! 64 days app free and holding on strong.
School and work have been keeping me very busy so I really haven't had time to think about applying for anything.
I'm shooting for 90 days app free so I can upgrade my spade!
congrats!!!
I'm at 13 days 
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Day 13 is better than Day 1!!
I know because I've been there! We all have!
Day 57 Here!!
my score is at a stop halt for the moment.
no pulls no apps no cli.
just utilization and the waiting game.
i wonder if my score goes up a little everytime i pay an installment loan...
congrats to all of you who have been staying on track and like msladyrover said we all have to start somewhere.
