cancel
Showing results for 
Search instead for 
Did you mean: 

Garden Club Thread - December 2016

Highlighted
Super Contributor

Re: Garden Club Thread - December 2016

Jumping in. Still wanting to consolidate. Waiting for final cash out on AARP, then close. Waiting for cap one uber special to go away, then close. Pay off DP, wait a few, then combine into Double cash. Got a bit upset with amex today, cash back is missing. Can't totally complain, annual fee only 75. Need to make use of this card, or it goes bye bye. Will see, and unsure what to do with Alaska card, oldest active account, just not really useful. Smiley Sad
Signature needs updating
Message 11 of 313
Highlighted
Valued Contributor

Re: Garden Club Thread - December 2016

Still here...3 months +....scores remained exactly the same thisw month.

TU fico08=822 08/24/20
EX fico08=816 08/24/20
EQ fico08=831 10/06/20
EX fico09=825 10/03/20
EQ fico bankcard08=852 07/28/20
TU Fico Bankcard 08=854 09/23/20
EQ NG1 fico=786 07/18/20
EQ Resilience index score=59 08/24/20
Unknown score from EX=784 used by Cap1 07/10/20
Message 12 of 313
Highlighted
Valued Contributor

Re: Garden Club Thread - December 2016

Happy Holiday Gardening all.....Here for the long haul.

Fico 8's TU 756/ EQ 754/ EX 743- 8/2020// AAoA 5.7 years // Lines August 2020 = 619k Personal - Business 61k // Inquiries 6 TU - 0 Exp - 0 Eq.
Message 13 of 313
Highlighted
Super Contributor

Re: Garden Club Thread - December 2016

It was a great year. Rebuild after BK last year. Learned what FICO was. Thanks to this place. Bring on 2017 the year of CLI's and 730's+! Happy Holidays Folks!!!! Smiley Very Happy

Total Messages Posted238
Total Messages Read102437
Total Signins689
Total Minutes Online27106
Message 14 of 313
Highlighted
Frequent Contributor

Re: Garden Club Thread - December 2016

Oh praise be the garden!  I'm switching phone companies and was dreading giving up my spade.  I read the rules and I'm OK to take the HP for switching to Tmobile.  Isn't is funny that I was worried about such a thing?  Thanks to everyone in this forum for being a good influence that I care about my credit so much.

 

I'm trying to stay in the garden until at least 4/15/17 which would make one year.  Late August 2017 has all inquiries except one on each report falling off... That's a long way off I suppose, best to take it one day at a time.

 

TU 792 3/5/16 - 6 inquires
EQ 829 (Bankcard 08, score out of 900) 2/21/16 - 3 inquiries
EX 807 2/25/16 - 3 inquires

Discover IT 46K == Amex BCE 24K == Citi Double 20.9K == Chase Freedom 3.5K == Ring 22k == USAA Rate Advantage (8.4%) 17K == US Bank Cash+ 7.5K == BOA BBR 8K
Message 15 of 313
Highlighted
Established Contributor

Re: Garden Club Thread - December 2016

Just checking in for December.

Still in track, still unsure when to leave. Maybe when I'm 5/24 eligible in July?
Message 16 of 313
Highlighted
Community Leader
Super Contributor

Re: Garden Club Thread - December 2016

Checking inSmiley Happy

Hope everyone is doing well, and hope you have a wonderful holiday!! Smiley Happy

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 17 of 313
Highlighted
Senior Contributor

Re: Garden Club Thread - December 2016

Good morning everyone!Smiley Happy

 

I'm checking in for December. I hope everyone is keeping your credit goals at the forefront of your mind. The credit card offers can get pretty tempting this time of year. Just say no!

 

Update:

  1. Garden - been here since 09/28/16
  2. Increase CL on a couple of cards - increased IT CL by $1500
  3. Combine Cap 1 accounts - still unable to combine
  4. Reduce utilization - Weekly payments: I chose the Snowball Method since my debt is @ 0% interest.

 Stay positive & focused so we can meet our goals!!Smiley Happy

Gardening since 10/01/18 Gardenversary 10/01/20 Score: xx/xx/xx EQ xxx TU xxx EXP xxx
Current Score: 781
Goal Score: 800
Take the myFICO Fitness Challenge
Message 18 of 313
Highlighted
Senior Contributor

Re: Garden Club Thread - December 2016


@bourgogne wrote:

so everyone is telling me about all this great smoked bbq, interesting cocktails and stories to be found here - is this true or bs, just give it to me straight.  I have to be here for a year.  not normally what one would call a team player but I need the support so here I am.  my scores are so trashed that I cannot even update my sig.  really bad.  lease return and car loan in oct, csr 11/8, the only thing that went ok that day.  loan has not hit ex yet and csr has not reported.  waiting for the other shoe to drop, it might get ugly or more ugly if that is even possible.  I like margs, mojito's and a good manhattan.  bourbon is my goto.  I like traditional rioja, burgs and barolo.  I make a killer cheese soufflé if that counts for anything.  happy to be here


Welcome to the garden! 

Gardening since 10/01/18 Gardenversary 10/01/20 Score: xx/xx/xx EQ xxx TU xxx EXP xxx
Current Score: 781
Goal Score: 800
Take the myFICO Fitness Challenge
Message 19 of 313
Highlighted
Senior Contributor

Re: Garden Club Thread - December 2016


@sarge12 wrote:

Still here...3 months +....scores remained exactly the same thisw month.


Hey sarge12! How are you?

Gardening since 10/01/18 Gardenversary 10/01/20 Score: xx/xx/xx EQ xxx TU xxx EXP xxx
Current Score: 781
Goal Score: 800
Take the myFICO Fitness Challenge
Message 20 of 313
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.