Garden Club Meeting - September 2013

[azguy13]

Welcome to the Garden!

[Irisa]

---

@navyox wrote:

Getting settled in to the Garden.   Have a few weeds to pull (baddies needing follow-up GW letters) but should be set to watch scores grow.   I had stellar credit when I was in the service and wracked up about 12k in debt when i got out and went to school.   Last year at this time I was sitting at 51% utilization and scores probably around 640.   Now I'm at around 5%.  Vantage score has gone from 726 to 813 since May.

---

Welcome!

[FocusedAndDetermined]

---

@navyox wrote:

Getting settled in to the Garden.   Have a few weeds to pull (baddies needing follow-up GW letters) but should be set to watch scores grow.   I had stellar credit when I was in the service and wracked up about 12k in debt when i got out and went to school.   Last year at this time I was sitting at 51% utilization and scores probably around 640.   Now I'm at around 5%.  Vantage score has gone from 726 to 813 since May.

---

Welcome to the garden.  You've already made great progress - keep up the good work!

[RushXTC]

Just got a preapproval offer from the NRA.

The NRA Visa looks super patriotic, Offered 18 months no interest on balance transfers and 12% APR when it's over.....

was tempted for about a second or two, Ripped it right up.

Not letting temptation ruin my credit! >=)

[Irisa]

---

@RushXTC wrote:

Just got a preapproval offer from the NRA.

The NRA Visa looks super patriotic, Offered 18 months no interest on balance transfers and 12% APR when it's over.....

was tempted for about a second or two, Ripped it right up.

Not letting temptation ruin my credit! >=)

---

Good job resisting temptation

[myjourney]

Hi GC family,

I'm back.......

Hope everyone has a wonderful Saturday

Walmart fico up 12 points Wooo Hooo

CS FAKO dropped 4 points

Happily in the garden and going for the gold   

[myjourney]

---

@tcbofade wrote:

Holy cow.  Three new credit cards and one new auto loan (refi) just crunched my TU08 score...down 29 points.

ow, ow, ow, ow....

---

That chair had a little something to do with it too...

[myjourney]

---

@Shogun wrote:

5 new CCs and a new auto loan.  I'm waiting for everything to report then I'm going to purchase the new 3n1 Fico score.

---

Your score will rebound shortly and the new accounts will send scores even higher 

[myjourney]

---

@audia4 wrote:

Well was able to check my TU (with Wally Discover) and it looks like I lost 9 points from my recent 2 new apps, but that's ok. I'll take it.

It says the 2 things on my credit affecting my scores are now:

1) The remaining balance on your installment loans is too high.   (student loan)

2) You recently opened a new credit account.

Hey, shouldn't it read more like "Due to your recent new credit cards, you went from a $2100 total limit to $16,600 limit, therefore we are patting you on the back and making your scores even higher for your added success" ???  Yea right. I wish.

---

9 pts isn't to bad on 2 accounts continue gardening and you will earn those back in no time 

[myjourney]

---

@09Lexie wrote:
I made it! I am not even home yet. I wanted to check in for tonight's social.



You have work hard all year on your credit goals what accomplishments have achieved thus far?

I'm am proud of many things (all owed to this forum) including recognizing when to stop applying for credit. I've refinanced my car from 8% to 1.99%; added $65,000 in credit and my credit scores are all in the low to mid 700's.
I'm proud to be able to help others reach their goals. Whether it be family, friends or myFICO family.

Thanks myjourney for a wonderful spread. Too beat to eat but it looks great!

---

You had a great year indeed have fun and see you soon