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Garden Club Thread - September 2016

Valued Member

Re: Garden Club Thread - September 2016

I can't believe it's September already! I guess I better come to terms with turning another older now.


Starting Score: EX: 688 | TU: 701 | EQ: 688
Current Score: EX: 691 | TU: 709 | EQ: 708
Goal Score: EX: 720 | TU: 720 | EQ: 720





in the garden since: 08/16
Message 11 of 507
Frequent Contributor

Re: Garden Club Thread - September 2016

Getting in early on this month's thread! I'm five months in the garden now. There are two cards I really want, but I will hold out for my AAoA to increase a bit. It's under 3 years right now Smiley Sad

$140K+
Message 12 of 507
Frequent Contributor

Re: Garden Club Thread - September 2016

Happy September everyone !! This will be my first full month in the garden and I have to say, I'm very excited to see everyone's progress. Last app was 8/29 but I'm going to use the 1st as my real start date to have a good reference each month. It's probably time to put that seedling in my siggy. Looking forward to that diamond spade. Cheers to a great month everyone.
Message 13 of 507
Frequent Contributor

Re: Garden Club Thread - September 2016

Hey Garden Club!

 

I promise I'm really going to stay in the Garden this time!!! Have to update some stats, but yesterday I did my final app (smh smh smh) for a Visa Signature card from my credit union to replace the secured card I have with them. I asked for $15,000 and should get an answer today from my loan officer there.

 

Soft Pulls & Auto CLIS ....Last 30 days were great got about $17,000 in Soft Pull / Auto Credit Line Increases!

 

Happy Gardening. Looking forward to somce serious point gains hope everyone has a great month!

 

 

Jan 2016 FICO 8s EX 505 - EQ 526 - TU 495 *** May 2017 FICO 8s EX 696 - EQ 695 - TU 705 *** INQs - EX 10 - EQ 20 - TU 12 *** TCL $282,650
Barclay AA - $28k | Cap1 QS $26k | PenFed Plat $25k | NFCU Sig VS $24k | Chase CSP $20k | Chase Ritz $20k | Amex SPG $20k | BofA BBR $15k | NFCU LOC $15k | BofA CR $13.5k | Sync Lowe’s $12k | Citi AA $10.5k | Amex Delta Plat $10.4k | Marvel MC $8k | Citi Costco VS $7k | Sync Amazon $6.1k | Amex ED $2k | Amex BCP $1k | Amex PRG NSP / $25k Pay Over Time
Message 14 of 507
Established Contributor

Re: Garden Club Thread - September 2016

Another month! It's getting easier to just say no now. Smiley Very Happy

Current FICO 8's: EX 713, TU 707, EQ 712
Gardening for 8 months so far
Oldest TL: 6yr 7mo - AAoA: 3yr 1mo - INQ: EX(4) - EQ(0) - TU(3)
Plans: Pay off medical debt; Get a car
Message 15 of 507
Frequent Contributor

Re: Garden Club Thread - September 2016

Just saw my first 800 with a fresh score pull at 12:01am!  A Cap1 triple pull just aged to a year a few days ago,

and I paid all accounts down to $1.  Discover is lagging on EQ, so I'm pretty sure that's the 2 points I need for 800 there as well.

This gardening thing is easy Smiley Happy


Message 16 of 507
Community Leader
Super Contributor

Re: Garden Club Thread - September 2016


CJ7 wrote:

Just saw my first 800 with a fresh score pull at 12:01am!  A Cap1 triple pull just aged to a year a few days ago,

and I paid all accounts down to $1.  Discover is lagging on EQ, so I'm pretty sure that's the 2 points I need for 800 there as well.

This gardening thing is easy Smiley Happy


Congratulations, CJ7! That first 800 score is what I hope to have in the next six months. Congratulations to you! 

 

Most of my inquiries are a year old so are not counting and I just paid down my accounts to around 1%. Can't wait to see the difference in my scores in the next few weeks. Happy gardening everyone and happy September!


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover.. Fico 8: EX: 758; TU: 746; EQ: 762
Message 17 of 507
Frequent Contributor

Re: Garden Club Thread - September 2016

CJ7 congrats on the awesome accomplishment !!! That is amazing to see
Message 18 of 507
Frequent Contributor

Re: Garden Club Thread - September 2016

Congrats to you as well Musiclover !!! Keep up the great work everyone. September is going to be an awesome month.
Message 19 of 507
Community Leader
Senior Contributor

Re: Garden Club Thread - September 2016

Checking in, Get a silver spade this week.   :]

 

GL all


Message 20 of 507