Garden Club Meeting - September 2013

[myjourney]

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@starry1 wrote:

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@silverzgirl wrote:

I blew it. I stepped out hoping NFCU would show me some love. I had paid down ute by over 20 percent, I had paid off most of my CCs floating around out there. I pulled the trigger on them.

3-5 days. I know what that means in my world. So now I am back to nothing after wasting an inquiry. may as well try others to see if it will work.

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What did you ask Navy for?

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None ya Biz! Lol

NFCU previous escapee ERT this one loves them red alert.........red alert 

[myjourney]

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@Irisa wrote:

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@silverzgirl wrote:

I blew it. I stepped out hoping NFCU would show me some love. I had paid down ute by over 20 percent, I had paid off most of my CCs floating around out there. I pulled the trigger on them.

3-5 days. I know what that means in my world. So now I am back to nothing after wasting an inquiry. may as well try others to see if it will work.

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I hate to think you wasted the inquiry, so good luck    No more escaping the garden! You are on our watchlist.

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[myjourney]

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@silverzgirl wrote:

Well, others got the 3-5 only to find they got the CLI. However, I have never been one of these people. It is either instant or denied. I decided to waste another HP with my main bank raising my limit from 5 to 10K. That one does not have an instant feature. I figure if I am out, I may as well give it a shot.

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Good luck and remember pass expires at the stroke of midnight (Cinderella)

[myjourney]

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@chipi wrote:

Ok guys, i have decide to garden until at least september 25th 2014, too many inquires on my CR and i need to improve my AAs, so please...give me a hand over here!!!

current CL / cards:

Barclay card Visa : $ 1,700

Capital One Quicksilver one MC : $ 1,300

Capital One Platinum MC: $ 750

Capital One Sony Visa : $ 750

Capital One Spark Visa : $ 1,000

EX: 645, TU: 608, EQ: 628

Bk 7 is now 9 months old ( discharged on 12/26/12), have kept UTL under 25 %, and will continue to do so!!,  Inquires: TU: 12, EX:10, EQ:10 as of 09/22/13.

So...there it is, my credit life in a couple of lines, let´s see if i have the will power to garden for a year

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Welcome to the garden 

We shall help support you in anyway possible and glad to have you join us 

[myjourney]

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@azguy13 wrote:

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@myjourney wrote:

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@Exonumist wrote:

CSP, Merril+, Citi Forward Student, BCP, and Southwest Rapid Rewards are so tempting... Stop me before I jump ship too early. I should really wait until January. 

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Reviewing ERT reports from last night I see you changed name....Sounds suspicious to me. 

ERT's good catch and keep Exonumist/D-Wall under red alert and dispatch counter measures 

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Ya, I am glad D-Wall posted it on a thread and not PM it, lol

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WTG

[myjourney]

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@chipi wrote:

thank you i really need it, my plan is to get a house by 2015, mid year...so i need to work on my credit ASAP.

all help is welcome.

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You just joined the right group to get you into the new home 

[myjourney]

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@azguy13 wrote:

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@myjourney wrote:

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@CreditMulligan wrote:

@I was weak, I was new. My garden had a loose fence post and I only meant to lean on it to get a better view at what was going on in the real world. The post must have gave way because I tumbled @$$ over teakettle into these apps that came out of nowhere...

I guess I am resetting the clock, maybe if I wind it extra tight it will run faster.

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Shame on you 

ERT's secure the fence with electricity to help CreditMulligan

We shall help support you and the fence more

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I have replaced his fence with 13 foot concrete T walls

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Good and I will add kitty to the security detail 

[chipi]

Thank you i am new to the frum but you have been a true inspiration to me, i see here that there is light after BK , i will get back on my feets again credit wise !

[myjourney]

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@silverzgirl wrote:

I did not spree with new card apps. I did decide to CLI the three Visas.

One already came back denied. I will call to recon this. EQ is 30 points lower than my EX and 50 lower than TU. It is reporting a recent 30 day late on a 4 year old CO. They insist on reporting the old CO as open and owing in full even with a 1099C in their hands. They are under investigation by the CFPB on that one.

I know NFCU uses EQ too, so I expect to lather, rinse repeat with no results. The last one used TU the last time I requested anything.

 

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Keep working on those CR's sorry about the denials 

[Kman28]

Well I guess I need to join the garden for a while .

Over the past week I've been on a major application spree! This is the first time I've ever went on an app spree and probably the last time!

Approvals for Chase Sapphire Preferred, American Express Gold Delta Skymiles, Discover IT, and an American Express Gold Premier Rewards Card.

Needless to say I need to take a long break and allow my AAoA and INQs to fall off.  So I'm in the garden til 10/14 at least....