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Garden Club - October 2022

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expatCanuck
Super Contributor

Re: Garden Club - October 2022


@Anonymous wrote:
@M_Smart007

If it were not for TOS's I would properly respond... however, remember that @expatCanuck would need to acquire a "COW" ... Smiley Sad

Say what now, @Anonymous?

 

no_cow.PNG


2025 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 14-Sep-2025 ]
EQ8??0 INQ7y4m
EX8404 INQ (2 CC, 2 auto)7y
TU8??1 INQ (CC)6y8m
3/241/12AoYA 10m | AoOA 24y2m~1%

FICO 9 is 837.
Message 41 of 635
M_Smart007
Legendary Contributor

Re: Garden Club - October 2022


@expatCanuck wrote:

@M_Smart007 

 

Wanna 'splain me that Chase 10% on fuel stuff?


@expatCanuck, It is offered on the Chase Amazon Prime Visa (I used it for fuel todaySmiley Happy)

 

https://www.chase.com/mybonus/ggaamazon1

 

It is the thread that @coldfusion started "HERE"

 

 

Message 42 of 635
Anonymous
Not applicable

Re: Garden Club - October 2022


@Anonymous wrote:
@M_Smart007

If it were not for TOS's I would properly respond... however, remember that @expatCanuck would need to acquire a "COW" ... Smiley Sad

Relates to Experian and their ability to raise credit scores? Note, there is an old adage about "purple cows" and more but, not for the MyFico audience Smiley Very Happy 

 

You are such a youngster I just have to put a sock in it! Smiley Happy

Message 43 of 635
bizarrocreditworld
Valued Contributor

Re: Garden Club - October 2022

One of my wife's younger clients decided it would be cute to have her watch "Hamilton" for "homework". It's on Disney+ and is a filmed version of the play. She's been watching for 45 minutes and told me she's bored out of her mind.

 

I told her that if your client wants to impress you, she should tell you the significance of Alexander Hamilton with regards to The Federalist Papers. 

 

For those of you who don't know, he was one of the co-authors of the series of 85 essays written by "Publius" (Alexander Hamilton, John Jay and James Madison, with Hamilton as the author of most of the essays) to the press arguing why New York should ratify the Constitution.  

 

 

No credit news is good credit news!
Message 44 of 635
AndySoCal
Senior Contributor

Re: Garden Club - October 2022

Staying in the garden for another month.  There is nothing that is worth apping for or asking for a credit limit increase on at the moment.

Edited to add: Just looked my recent month monthly credit spend a about $600.00 ( one person household) total credit limits 70,300 no need for a CLI

FICO Scores XPN v8 805 V2 831 (SDFCU) TUC V 8 800 07/25 EFX Bankcard v8 822 EFX FIC0 v8 808 Vantage score 4.0 817 via JC Penney
JC Penney 10/2008 4,700 US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 14,100, State Dept. FCU 06/2023 30,000 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Commonwealth Credit Union 15000 07/25 Walmart One 5000 12/04/25
Banks and Credit Unions: Lafayette FCU Fortera FCU State Department FCU Redstone FCU Hughes FCU Commonwealth FCU Veridian Credit Union Utah Community Credit Union
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank BMO Langley FCU Paypal Barclays
Message 45 of 635
Chazzay12
Frequent Contributor

Re: Garden Club - October 2022

I've sorta recently come to the forums and want to be a part of the garden club as a commitment to myself Smiley Happy I just apped like a week ago but am in the garden now for at least 6 months. Do I have to start over my seedling once new account hit my report in a month or two?

Discover It (Student) $1500 | Capital One QS $2900 | Amex BCE $4800 | Chase FU $3200 | Amex Green NPSL | CSP $4200 | Discover it $3000 | USAA $4,000 | Lowe’s $12,000
Homeowner since April 2023

Starting Score: 580s
Current Score as of May 2026: EX 729, TU 728, EQ 726
Goal:being debt free. working on paying high utl cc debt. I’ve paid off 20k debt, 7k remaining. All baddies have fallen off.


Take the myFICO Fitness Challenge
Message 46 of 635
expatCanuck
Super Contributor

Re: Garden Club - October 2022


@bizarrocreditworld wrote:

One of my wife's younger clients decided it would be cute to have her watch "Hamilton" for "homework". It's on Disney+ and is a filmed version of the play. She's been watching for 45 minutes and told me she's bored out of her mind.

 

I told her that if your client wants to impress you, she should tell you the significance of Alexander Hamilton with regards to The Federalist Papers. 

 

For those of you who don't know, he was one of the co-authors of the series of 85 essays written by "Publius" (Alexander Hamilton, John Jay and James Madison, with Hamilton as the author of most of the essays) to the press arguing why New York should ratify the Constitution.  


But the King's song (You'll Be Back (?)) is fun.

 

And I'd respectfully offer that Rewind is outstanding.


2025 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 14-Sep-2025 ]
EQ8??0 INQ7y4m
EX8404 INQ (2 CC, 2 auto)7y
TU8??1 INQ (CC)6y8m
3/241/12AoYA 10m | AoOA 24y2m~1%

FICO 9 is 837.
Message 47 of 635
expatCanuck
Super Contributor

Re: Garden Club - October 2022


@Chazzay12 wrote:

I've sorta recently come to the forums and want to be a part of the garden club as a commitment to myself Smiley Happy I just apped like a week ago but am in the garden now for at least 6 months. Do I have to start over my seedling once new account hit my report in a month or two?


Negative.  Date of the application is what counts.

 

And welcome.

 

 

Did you bring snacks?  (Pringles are traditional, tho' all are appreciated.)


2025 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 14-Sep-2025 ]
EQ8??0 INQ7y4m
EX8404 INQ (2 CC, 2 auto)7y
TU8??1 INQ (CC)6y8m
3/241/12AoYA 10m | AoOA 24y2m~1%

FICO 9 is 837.
Message 48 of 635
Chazzay12
Frequent Contributor

Re: Garden Club - October 2022


@expatCanuck wrote:

@Chazzay12 wrote:

I've sorta recently come to the forums and want to be a part of the garden club as a commitment to myself Smiley Happy I just apped like a week ago but am in the garden now for at least 6 months. Do I have to start over my seedling once new account hit my report in a month or two?


Negative.  Date of the application is what counts.

 

And welcome.

 

 

Did you bring snacks?  (Pringles are traditional, tho' all are appreciated.)


Good to know thanks. 

I've got a 1.5 year old son so plenty of snacks to share Smiley Very Happy thanks y'all 

Discover It (Student) $1500 | Capital One QS $2900 | Amex BCE $4800 | Chase FU $3200 | Amex Green NPSL | CSP $4200 | Discover it $3000 | USAA $4,000 | Lowe’s $12,000
Homeowner since April 2023

Starting Score: 580s
Current Score as of May 2026: EX 729, TU 728, EQ 726
Goal:being debt free. working on paying high utl cc debt. I’ve paid off 20k debt, 7k remaining. All baddies have fallen off.


Take the myFICO Fitness Challenge
Message 49 of 635
M_Smart007
Legendary Contributor

Re: Garden Club - October 2022


@Chazzay12 wrote:

I've sorta recently come to the forums and want to be a part of the garden club as a commitment to myself Smiley Happy I just apped like a week ago but am in the garden now for at least 6 months. Do I have to start over my seedling once new account hit my report in a month or two?


@Chazzay12, Welcome to The Garden and Congrats on your credit Goals football goal post.gif

 

 

 

Message 50 of 635
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