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Garden Club Thread - December 2016

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Senior Contributor

Re: Garden Club Thread - December 2016


@pizza1 wrote:
ugh..apparently Im starting over in the garden with my two latest approvals...

BUT...we shall start the gardening process again, and this time I HAVE to stay focused....

Merry Christmas to everyone!!! Smiley Happy

Yes, stay focused!  Do I need to contact mj and have him send in the ERTs?Smiley Wink

Message 61 of 313
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Community Leader
Super Contributor

Re: Garden Club Thread - December 2016


@FocusedAndDetermined wrote:

@pizza1 wrote:
ugh..apparently Im starting over in the garden with my two latest approvals...

BUT...we shall start the gardening process again, and this time I HAVE to stay focused....

Merry Christmas to everyone!!! Smiley Happy

Yes, stay focused!  Do I need to contact mj and have him send in the ERTs?Smiley Wink


MJ gave up on me like 2 yrs ago, LOL...Hes not around much now, but I know he lurks from time to time, and see's me and just shakes his head, Smiley Wink


My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 62 of 313
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Senior Contributor

Re: Garden Club Thread - December 2016


@azguy13 wrote:

@Saleen099 wrote:

Good Morning Everyone!!!!!  

 

 

IMG_1865.JPG 


That looks like my neck of the woods here in Phoenix


   Me landing in Phoenix Arizona.  

Message 63 of 313
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Super Contributor

Re: Garden Club Thread - December 2016

Good morning boys and girls.

 

All is well in our little corner of the garden.  Still working too much.  Actually put in overtime at job A, AND job B is asking me to work more than normal.

 

...tis that time of year. 

 

Talked to DW some more this morning, and after an exciting (and expensive) 2016, we're both looking forward to a calmer 2017.  I hope to spend the next 13 months simply reducing balances and paying off bills. 

 

Heres to an applilcation free 2017.  Whos with me?



10/30/20 Mortgage scores: EX2 738, EQ5 724, TU4 no idea.
11/01/20 Fico 8: EX 754, EQ 752, TU 765.
11/04/20 Fico 9: EX 713, EQ 720, TU no idea...

Zero percent financing is where the devil lives...
Sitting in the garden behaving myself. #noinqs2020
Message 64 of 313
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Moderator Emeritus

Re: Garden Club Thread - December 2016

Saleen099 is this a picture to make us jealous or is it due to the fact the plane is still in the air and not on fire Smiley Happy
Starting Score: 300
Current Score: 850
Goal Score: 850


Take the myFICO Fitness Challenge
Message 65 of 313
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Regular Contributor

Re: Garden Club Thread - December 2016

Just earned the silver spade and updated my signature!  Very happy with where I'm at.. and don't see any reason not to be able to continue my goal to diamond.  Thank you MyFico community!


CL: $10,000 _____ $10,000 ______ $7,100 _______ $7,000 _______ $23,300 ______ $5,000 _______ $9.500
Total Credit Limit: $71,900_____________________________________________________________Gardening Since: 09/01/2016
Message 66 of 313
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Moderator Emeritus

Re: Garden Club Thread - December 2016


@DiscountDoubleCheck wrote:

Just earned the silver spade and updated my signature!  Very happy with where I'm at.. and don't see any reason not to be able to continue my goal to diamond.  Thank you MyFico community!


Congrats on your hard work. It sure feels good Smiley Happy

Starting Score: 300
Current Score: 850
Goal Score: 850


Take the myFICO Fitness Challenge
Message 67 of 313
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Established Contributor

Re: Garden Club Thread - December 2016

Just had an inquiry drop =D 8 more to go on Equifax =/

5 on TU! =D

 

 

ManiacGamers.comManiacGamers.comManiacGamers.comManiacGamers.comManiacGamers.comManiacGamers.com*****$20,000***********$6,500************$4,100************$3,500***********$2,500************$1,000****
EQ - 688 (10/9/13) | TU - 705 (02/18/14) | EX - 701 (10/9/13) | CS Fako - 717 (10/4/13) | CK Fako - 697 (11/05/13)
Message 68 of 313
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Moderator

Re: Garden Club Thread - December 2016

Checking in for the first time.  Wow, what a year 2016 has been.  Quick intro: I have not had the same types of credit issues as many here have (zero baddies in 24 years of credit history), but I am digging myself out of nearly a decade of strugging against the domino effect of balance chasing due to high utilization and rate jacking that made it harder to pay down those balances which just ended up getting chased anyway. Wash, rinse, repeat. I discovered this forum around December when I was Googling just who this NASA FCU was that was sending me a 7.9% fixed BT for life offer, and I am immensely grateful for the people here and the wealth of shared knowledge.

 

Since December of last year, I have opened (in chronological order): Merrick Bank ($1250 doubled to $2500, no AF, 19.7% - just needed it to give me a UTIL boost at the time) which I will close soon, NASA Visa (just paid/transfered to 0% what was left of the $14k+ BT), NASA Personal Loan, Citizens Bank student loan refi (rolled 3 into 1 new loan, kept payments the same and still cut 10 years off the end of repayment), Prosper loan ($20k BOA balance that had been at like 21%, 3 year loan payments same as my former minimum payment that was making no dent in balance), VA Mortgage refi (solicited by my lender, and made sense to throw that money on revolving balances instead), PenFed Defender Visa Sig, Discover it, PenFed auto loan refi (had 3 years left on wife's at 6.9%, now 1.9%), BJ's Elite Perks WMC, Lowe's, BOA BankAmericard, and Citi Diamond Preferred WMC.

 

Thanks to all of the help I read here, I also combined 4 CapOne cards (3 were acquired by CO years after I opened them) and did a PC to VentureOne WMC, combined my Chase Slate into my Freedom (both of these were originally other cards when opened) for a much better CL at the lowest published APR, PC my BOA Platinum (was FIA) into Travel Rewards Visa Sig, PC my AmEx Gold to PRG, and PC my AmEx Green Rewards to Platinum. Also used the knowledge here to call credit solutions to bump my Amazon up from $4k (they have been giving me a few hundred bucks here and there over the years) to $12k, and to bump up my Lowe's to $17k immediately after applying (while my Home Depot card was stuck at $1250 for 6 years). All in, I closed 6 credit cards and will likely be getting rid of at least 5 or 6 more over the next year or so.

 

My FICO 8 scores have bumped up a bit (from 710ish a year ago to 735 average today - FAKO scores have hovered 610-660 which I would never take seriously), but should raise substantially as soon as the CRs are reporting under 30% (they keep hovering around 31-33% due to reporting dates) and I let the 14 new accounts opened this year and corresponding hard pulls age a bit. Goal is to garden until January 2018 and grab a Navy FCU card, hoping that I should be able to cut at least another 25-35k from my revolving balances and hit 780+ FICO 8s. I have to say it's a great feeling going from getting nowhere with a mountain of 20%+ debt to having almost all of it under 5% and actually making a dent in it each month!

Message 69 of 313
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Established Contributor

Re: Garden Club Thread - December 2016

Hi all!

 

Still in the garden; not much has changed...still not ready to give up my diamond!  Smiley Happy

Enjoying your freedom? Thank a servicemember and their family!

In the garden since 26 Jun 14...

I am digitaldiva's alter-ego


Message 70 of 313
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