Garden Club Meeting - September 2013

[ceemee2203]

I'm 6 (well, 7 now) months in now and haven't had any urges to app. I don't know what my current score is, just that my CK and CS have gone up. Focused on my new job and school so I think I'm good for a while.

[09Lexie]

@ceemee2203

You are doing great! Looks like keeping busy is working well for you.

[Irisa]

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@ceemee2203 wrote:

I'm 6 (well, 7 now) months in now and haven't had any urges to app. I don't know what my current score is, just that my CK and CS have gone up. Focused on my new job and school so I think I'm good for a while.

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WTG, that's awesome

[Irisa]

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@simi_go wrote:

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@Irisa wrote:

Do account upgrades reset my garden dates?  I want to work on getting rewards and CLIs on my Capital One accounts, but I want to double check before the gators come after me

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As long as it does not require a HP or create a new tradeline you should be ok.  By the way I have arrived in the garden.  Looks like I am doing about a 3 month stint 

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Welcome to the garden

[themizlyne]

I'm a seedling again. Mean NFCU dragged me kicking and screaming to app and approve for a gorewards card. I now have zero days ap free.

[Steelersboy]

it seems my app addiction is waning. i have no urges to app, am i normal? 

[pt145]

1 month in the garden today!! yay

[subsnao]

So, logged into CK this morning to update my score (I know its a FAKO, but its a nice way to monitor my progress, to a degree) and it jumped a whole 17 points after my app spree. What?!?!?!? The reason it jumped so much is due to TU as of right now only reporting my $500 Cap1 card which had about $230 on it. So, 47% util down to 0 makes my score go up 17 points. Nice

Hope everyone is good. This is my check in for the day

[rockinn8]

Hello!  I am officially declaring myself in the Garden!  Before this week I had only one CC, a secured BOA with a $500CL, which I opened in June.  This week I was instantly approved for a Chase Freedom with a $3000CL and yesterday I was approved (I had to call in to verfiy address) for a Discover It card with a $4500CL!!  I'm still waiting for one collection to be removed from my TU CR, which the CA said they would remove.  I do not plan on applying for any new credit until June 2014, as of now I'm eyeing the AMEX BCE.  

So far...

AAoA - 3.2 yrs (which im sure will fall dramatically due to the 2 new CCs)

Collections - EX - 0, EQ - 0, TU - 1 (soon to be 0)

Inqs - EX - 3, EQ - 1, TU - 2

9% utlization (which will shrink alot due to new CCs)

0 PRs

About 14.5K in SLs which are currently in repayment

Things are falling into place for 2014 to be a great year!

Almost rebuilt, I started in the beginning of last month!

THANK YOU MYFICO!!!

[Irisa]

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@Steelersboy wrote:

it seems my app addiction is waning. i have no urges to app, am i normal? 

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Yup, it's normal.. it does get easier with time