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Garden Club - April 2021

Adkins
Mega Contributor

Re: Garden Club - April 2021

Home. Time to walk the dog, put away the groceries (I already unloaded the SUV), finish and fold laundry, then maybe nap. 

Last HP 09-14-2020



Message 81 of 1,800
angelofmusic86
Frequent Contributor

Re: Garden Club - April 2021


@davidash901 wrote:

Back to a seedling I go... Smiley Sad 

My riding mower bit the dust, and so after a trip to Lowe's I have a new mower and a new CC.  However, I did manage to get one on clearance for $1100 off the original price - couldn't pass it up!


We can be seedling buddies, lol.  But as a clearance lover, I love that deal! Smiley Happy

CH7 Filed 05.01.2020; Discharged 10.21.2020

10.22.2020 FICO8 Scores: EQ 615 TU 560 EX 581
04.08.2021 FICO8 Scores: EQ 665 TU 672 EX 661

Rebuild progress: Kohl's $300, CreditOne Rewards $700, CapitalOne QS $0AF $3,000, PenFed PCR $3,500
Gardening until November 2021.
Message 82 of 1,800
Mr_Mojo_Risin
Valued Contributor

Re: Garden Club - April 2021


@Saeren wrote:

Omg finally! I have 800+ on all three now! I was checking to see if I had any offers from DCU or Service (spoiler: I don't) and then I went to check Langley and EQ finally gained the 4 points it needed for 800!

 

4471A065-E5DF-4DCD-B975-B2FD24433235.png


Looking good, man that's impressive!

NFCU More Rewards 24K CL
AODFCU Visa Signature 5K CL
NFCU Cash Rewards 4K CL
Discover IT 1.5K CL
Cap1 Quicksilver 600 CL
NFCU auto loan
Message 83 of 1,800
angelofmusic86
Frequent Contributor

Re: Garden Club - April 2021


@Adkins wrote:

Home. Time to walk the dog, put away the groceries (I already unloaded the SUV), finish and fold laundry, then maybe nap. 


I'm ready for a nap right about now. lol

CH7 Filed 05.01.2020; Discharged 10.21.2020

10.22.2020 FICO8 Scores: EQ 615 TU 560 EX 581
04.08.2021 FICO8 Scores: EQ 665 TU 672 EX 661

Rebuild progress: Kohl's $300, CreditOne Rewards $700, CapitalOne QS $0AF $3,000, PenFed PCR $3,500
Gardening until November 2021.
Message 84 of 1,800
Sandman771
Valued Contributor

Re: Garden Club - April 2021


@Adkins wrote:

@Sandman771 wrote:

Update just now TU reported that $1100 decrease in credit card balance and dropped my score by one point. Uggh 

 

just wait until the 15th when I drop about $1500 on the other card.  I might dip to below 500.  But I paid two collections and about to pay a third so with time it should be fine. It's just disheartening to see big steps return negative returns 


Are the paid collections a pay for delete? 


One is and one isn't. Just having them paid gets a bump.  I'll let them fall off or maybe GW a deletion attempt later.  I just want all my bad ones to be paid and in the rear view and UTI down where it belongs so any credit attempt I can try to recon a bad decision. 
also what's up with NFCU? I have my first card stuck at $2k   I tried a CLI 90 days/3 statements of $500. They said no soup for you. I said screw yall.  So I did what any rational person would do and applied for a second card they gave me $5100. ?????

since then that card got a CLI and the original one was turned down three times 

Starting Score: EQ 497 TU 496 EX 499
Current FICO8 Score: EQ 602 TU 615 EX 609
Goal Score: 700 Across the board


Take the myFICO Fitness Challenge

In the Garden since 03/19/2021
Message 85 of 1,800
calyx
Super Contributor

Re: Garden Club - April 2021


@M_Smart007 wrote:

@K-in-Boston wrote:

Yep.  Did the math and all that money I was spending on annual fees would add up to a lot more nights at Ramada and LaQuinta.  Plus two cards is going to make AZEO a lot easier.


Congrats!, ..I heard "Ramada" is top tierSmiley Happy


True story - for a family wedding in BFE Louisiana, they secured a scary looking La Quinta for room bookings.
I thought I'd live large at the Ramada instead.

I'm still not sure if I made the right choice, though the roaches didn't seem to mind a roommate.

 

(there were no other hotel choices, because even 23 y.o. poor lab-tech me would've found a way to spring for a nicer place if it were possible).


RIP:

F8 EQ: 815 | EX: 801 | TU: 805 | Accounts: 1/6 3/12 6/24
Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 86 of 1,800
kilroy8
Super Contributor

Re: Garden Club - April 2021


@calyx wrote:

@M_Smart007 wrote:

@K-in-Boston wrote:

Yep.  Did the math and all that money I was spending on annual fees would add up to a lot more nights at Ramada and LaQuinta.  Plus two cards is going to make AZEO a lot easier.


Congrats!, ..I heard "Ramada" is top tierSmiley Happy


True story - for a family wedding in BFE Louisiana, they secured a scary looking La Quinta for room bookings.
I thought I'd live large at the Ramada instead.

I'm still not sure if I made the right choice, though the roaches didn't seem to mind a roommate.

 

(there were no other hotel choices, because even 23 y.o. poor lab-tech me would've found a way to spring for a nicer place if it were possible).


I have stayed in La Quintas lots of times. I didn't see anything wrong with them.

 

🤷‍♂️

Message 87 of 1,800
kilroy8
Super Contributor

Re: Garden Club - April 2021

I think this neighborhood is anti-Priceline. Tears are running down Kirk's face.

Message 88 of 1,800
Revelate
Moderator Emeritus

Re: Garden Club - April 2021

Hi Garden friends!

 

Short checkin as life is still looking like a kitten that unfortunately got stuck in the wash.  

Randomly gained +7 on EX FICO 2 today, conjecture of a possible 2 year boundary on the "spree penalty" (you have recently opened too many accounts) for that score and I gained points last month and this month possibly as I had a single account tick over that 2 year mark each month.

 

Other than that nothing really to report.  Still closing in on getting squeaky clean and unless I pull an inquiry for a rental in Raleigh I will be spotless for those too.   I don't expect to be leaving the garden, if anything once I get settled in Raleigh I may just shut down the CSR or probably PC it more likely.  Cash back just seems more and more attractive if I am not traveling much for likely the next two years at a minimum.

 

Anyway hope all is well with you all!




        
Message 89 of 1,800
kilroy8
Super Contributor

Re: Garden Club - April 2021

I have to wait until at least 4/4 to run my quarterly report. That is when USocks should report zero, like they should always be.

Message 90 of 1,800
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