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Garden Club - October 2018

Established Contributor

Re: Garden Club - October 2018

A few days ago someone said that EX provides a FICO score for free.  Not true... I can view my EX report for free, but they charge for a FICO score.  FML.

 

Guess I can only keep track of my TU score thru BoA now, since Discover Scorecard can't get it now that I've frozen my reports.

 

TCL: $4,000. $500 in wallet, remainder locked away to limit spending.
Gardening (NO CLIs) until I have $40K in savings. 18% to goal
FICO September 2018: TU 816 (9/20), EX 762 (9/4)
FICO October 2018: EX 792 (10/11), TU 816 (10/19)
FICO November 2018: EX 792 (11/10) 779 (11/22), TU 805 (11/19)
Message 1351 of 4,102
Frequent Contributor

Re: Garden Club - October 2018


@ZoomZoom557 wrote:

cheddar-cheese-spread-lg

Exhibit A:  Intestinal Adhesive

 

 

 


OMFluffyGiraffe, why?!  Why would you do it?   Now all we need is the pound cake and the peanut butter to reinforce our garden wall.

Message 1352 of 4,102
Community Leader
Valued Contributor

Re: Garden Club - October 2018


@LowLimits wrote:

A few days ago someone said that EX provides a FICO score for free.  Not true... I can view my EX report for free, but they charge for a FICO score.  FML.

 

Guess I can only keep track of my TU score thru BoA now, since Discover Scorecard can't get it now that I've frozen my reports.

 


https://www.freecreditscore.com

 

EX  does provide free Fico 8. Score and report updated every 30 days 

Message 1353 of 4,102
Valued Contributor

Re: Garden Club - October 2018

^^^^^^
What Rem said. I can attest.
2019 Goals: 800+ across the board (my sole 30-day late drops in Q1 2019); save 3 months' worth of income
2018 Goals: garden, 750+ across the board, garden

Experian is still the canary in my coal mine.

EQ7997 INQ (4 CC, 2 mort, phone)
EX7609 INQ (5 CC, 2 HELoan, 2 mort)
TU8027 INQ (5 CC, 2 mort)
8/24 < 5% AAoA 6.7| AoYA 2m | AoOA 19.8y
Take the myFICO Fitness Challenge [ Last INQ 14-Oct-2018 ]
Really not much of a gardener.
Message 1354 of 4,102
Valued Contributor

Re: Garden Club - October 2018


@wingennis wrote:

@ZoomZoom557 wrote:

cheddar-cheese-spread-lg

Exhibit A:  Intestinal Adhesive

 

 

 


OMFluffyGiraffe, why?!  Why would you do it?   Now all we need is the pound cake and the peanut butter to reinforce our garden wall.


Outstanding.  Particularly the fluffy giraffe.

2019 Goals: 800+ across the board (my sole 30-day late drops in Q1 2019); save 3 months' worth of income
2018 Goals: garden, 750+ across the board, garden

Experian is still the canary in my coal mine.

EQ7997 INQ (4 CC, 2 mort, phone)
EX7609 INQ (5 CC, 2 HELoan, 2 mort)
TU8027 INQ (5 CC, 2 mort)
8/24 < 5% AAoA 6.7| AoYA 2m | AoOA 19.8y
Take the myFICO Fitness Challenge [ Last INQ 14-Oct-2018 ]
Really not much of a gardener.
Message 1355 of 4,102
Established Contributor

Re: Garden Club - October 2018

Nope... I just get this: "Your Free Credit Report does not include a credit score.  See your FICO® Score for just $1 with a 7-day trial in Experian CreditWorks℠ Plus."

 

Maybe they used to be free and your account is grandfathered in?  Or you paid for the "CreditWorks Plus".  Or it was the Nyquil talking... or maybe it's only free for Nyquil cardholders? Smiley Happy

 

Maybe now that freezes are free by law they had to make up the difference by charging for FICO scores now...

 

 

TCL: $4,000. $500 in wallet, remainder locked away to limit spending.
Gardening (NO CLIs) until I have $40K in savings. 18% to goal
FICO September 2018: TU 816 (9/20), EX 762 (9/4)
FICO October 2018: EX 792 (10/11), TU 816 (10/19)
FICO November 2018: EX 792 (11/10) 779 (11/22), TU 805 (11/19)
Message 1356 of 4,102
Highlighted
Valued Contributor

Re: Garden Club - October 2018

Listening to the Beatles' All I've Got To Do.  So good.

2019 Goals: 800+ across the board (my sole 30-day late drops in Q1 2019); save 3 months' worth of income
2018 Goals: garden, 750+ across the board, garden

Experian is still the canary in my coal mine.

EQ7997 INQ (4 CC, 2 mort, phone)
EX7609 INQ (5 CC, 2 HELoan, 2 mort)
TU8027 INQ (5 CC, 2 mort)
8/24 < 5% AAoA 6.7| AoYA 2m | AoOA 19.8y
Take the myFICO Fitness Challenge [ Last INQ 14-Oct-2018 ]
Really not much of a gardener.
Message 1357 of 4,102
Valued Contributor

Re: Garden Club - October 2018

When the October schedule came out at work I was scheduled off for Today and tomorrow due to the wierd way our pay weeks runs.   I was asked shortly after if I could work tomorow for some OT.   I agreed to that working tomorrow.   Well at 8:09 this  morning my phone is blowing up.  Someone called in sick and guess who has to goto work today.   I did tell them I wouldn't be there in time to open and I will need to leave at 4.  I really could use a day off. 


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Message 1358 of 4,102
Senior Contributor

Re: Garden Club - October 2018


@bizarrocreditworld wrote:

Sorry, but I need to go on a two-part rant:

 

First, I've been getting solicitations for something called the FIT Mastercard. It's a lovely concept from the same folks who give you the Verve. $400 limit, $89 processing fee, $99 annual fee and $6.25 monthly fee. I'll make like a southwest Texas town and El Paso. Makes me want to throw a fit. Smiley Tongue

 

Second, I've been looking at cell phones. I'm noticing that there are now phones with five cameras, which reminded me of Dr. Mephisto and his monkeys with multiple rear ends. What's the point?

My question when I buy a cell phone is "Can it make a phone call without sounding like I'm in a well?".  If the answer is "yes", then I'll buy it.

 

End of rant.  


The reason for the multiple cameras is to give you more options. Since it's a fixed lens, when you zoom, it's digitally which makes the picture worse. To get around that, they give you a standard camera, one specifically for zoom, and one for wide angles. On the front you get the standard for selfies and a wide for group shots.






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Message 1359 of 4,102
Valued Contributor

Re: Garden Club - October 2018


@expatCanuck wrote:

I can play ...

 

Mrs. E received HELOC compost from BoA today. And I harvested these:

 

10-10peppers.jpg


Just curious, do you grow anything besides peppers?


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Message 1360 of 4,102