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Garden Club - December 2019

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Super Contributor

Re: Garden Club - December 2019


@M_Smart007 wrote:

 

Got a notice From BoA, My TU FICO8 is now the highest its been since I have been checking it.

 

#SeriousGardenGoalsHaveStarted

#DontNeedAnyCards

 


My TU Fico 8 is three points shy of my personal best.  Smiley Happy

 

I fear that it's about to go in the wrong direction tho...

12/01/19 Fico 8: EX 732, EQ 732, TU 755.
11/08/19 Fico 9: EX 733, EQ 740, TU no idea...
Zero percent financing is where the devil lives...

Firmly in the garden until the next pre-approval arrives!
Message 91 of 3,998
Super Contributor

Re: Garden Club - December 2019


@tcbofade wrote:

@EdMan63 wrote:

@tcbofade wrote:

Fico 8 update.  EX and EQ at 732, TU at 755.  Smiley Happy


Your scores have really improved. Congrats!!!!!


Indeed.  Thank you!

 

Apparently, individual utilization has quite the impact on Fico 8 scoring. 

 

 


Especially if you have several reporting.

 

Message 92 of 3,998
Super Contributor

Re: Garden Club - December 2019

Excel sheet updated:  Current cranberry 13% for me, 26.54% for DW. 

12/01/19 Fico 8: EX 732, EQ 732, TU 755.
11/08/19 Fico 9: EX 733, EQ 740, TU no idea...
Zero percent financing is where the devil lives...

Firmly in the garden until the next pre-approval arrives!
Message 93 of 3,998
Established Contributor

Re: Garden Club - December 2019

First
Bourbon and bow ties.
Current Cards:



2019 Immediate Goals:
7/19: 3x CLI for Hilton Aspire (SUCCESS!)
8/19: App for Chase Ink Cash (APPROVED!)
12/19: One bureau FICO 8 at 750 (DONE! EX FICO 8 at 750!)


2020 Goals:
$100K total CL (through organic/soft pull growth; presently 80.4K)
Garden Forever
Message 94 of 3,998
Established Contributor

Re: Garden Club - December 2019

Happy December all. Got a random age point today so that was nice. Balances should report as 7.2% tomorrow, which is nice.

Almost hitting the spend on precious. Completely confused and amazed a cashier last night that my phone could pay on a normal swipe thing due to samsung pay. Kept saying that it wasn't possible and then boom, cleared.

Bourbon and bow ties.
Current Cards:



2019 Immediate Goals:
7/19: 3x CLI for Hilton Aspire (SUCCESS!)
8/19: App for Chase Ink Cash (APPROVED!)
12/19: One bureau FICO 8 at 750 (DONE! EX FICO 8 at 750!)


2020 Goals:
$100K total CL (through organic/soft pull growth; presently 80.4K)
Garden Forever
Message 95 of 3,998
Super Contributor

Re: Garden Club - December 2019

Finally caved and accepted the $500 CLI from Miss Discover.

 

Hrmph.

 

Maybe she'll be more generous next year!

12/01/19 Fico 8: EX 732, EQ 732, TU 755.
11/08/19 Fico 9: EX 733, EQ 740, TU no idea...
Zero percent financing is where the devil lives...

Firmly in the garden until the next pre-approval arrives!
Message 96 of 3,998
Established Contributor

Re: Garden Club - December 2019


@tcbofade wrote:

Excel sheet updated:  Current cranberry 13% for me, 26.54% for DW. 


Awesome! Getting there. gonna get that 8% boost soon!

Bourbon and bow ties.
Current Cards:



2019 Immediate Goals:
7/19: 3x CLI for Hilton Aspire (SUCCESS!)
8/19: App for Chase Ink Cash (APPROVED!)
12/19: One bureau FICO 8 at 750 (DONE! EX FICO 8 at 750!)


2020 Goals:
$100K total CL (through organic/soft pull growth; presently 80.4K)
Garden Forever
Message 97 of 3,998
Super Contributor

Re: Garden Club - December 2019

 

Morning @kilroy8 , let us know of any spectacular deals?

 

Message 98 of 3,998
Super Contributor

Re: Garden Club - December 2019

 

99 bottles of Beer? (Post #99)

 

someone has to steal #100

 

 

Message 99 of 3,998
Community Leader
Super Contributor

Re: Garden Club - December 2019

Good morning

 

Credit news grocery run in a moment here. I missed a few things from our list and sisters stole ate the rest in the few hours we were gone last night

 

Non-credit shenanigans going to pull my scores when I get back because curious to see how they look with several cards reporting high balances last month

Message 100 of 3,998
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