This month is nothing special, I should be gardening for a good little while, next month should be more interesting.
Welp, I failed there. I got the Chase Freedom, which was going to be my next app in the fall.
I guess I'm gardening for reals now, because I don't want Chase to get nervous about me.
I sent a goodwill request to two derogatory account holders after my terrible experience with EX. I realized they likely wouldn't change anything, but hooray! I ended up with one of them agreeing to delete the accounts they held. No word on the other, but I'm fine with waiting. I was just so mad I wanted to do something (that wouldn't harm anything).
New goal: gardening for the rest of the year. I feel like this is doable, at least 
For the rest of the year:
July: Nothing - waiting to see if/when/how the Chase and AMEX post
August: Oldest accounts hit 1 year (I don't expect anything from this scoring wise, but I'm proud)
September: Clean reports (in theory), requesting USBank secured to graduate, AOYA = 3M
October: PC Disco Chrome to the 5% Cash Back
November: INQs from my Aug-Oct spree will have fallen off: EQ 2/12 (from 6/12); EX 3/12 (from 5/12); next INQ is Feb
December: Pay extra towards my student loan if necessary (goal = 10k paydown in 2019), AOYA = 6M
@calyx wrote:This month is nothing special, I should be gardening for a good little while, next month should be more interesting.Welp, I failed there. I got the Chase Freedom, which was going to be my next app in the fall.
I guess I'm gardening for reals now, because I don't want Chase to get nervous about me.
Yeah, I'm gardening too....scared of the AA Boogie Man. I'll be sitting right here behind the scare crow if ya wanna join me
@GApeachy wrote:
@calyx wrote:This month is nothing special, I should be gardening for a good little while, next month should be more interesting.Welp, I failed there. I got the Chase Freedom, which was going to be my next app in the fall.
I guess I'm gardening for reals now, because I don't want Chase to get nervous about me.Yeah, I'm gardening too....scared of the AA Boogie Man. I'll be sitting right here behind the scare crow if ya wanna join me
Belly crawling to get water, definitely not letting that charge post on a non-chase card.
Late check-in here. The end of May into early June have been crazy. It has thrown off my Util % due to unforseen (additional) graduation and wedding gatherings/travel expenses. I am already in the garden (a month now, woohoo) and I will remain there, as i pay down cards and grow my scores. Slow and steady I go! Here's to a calmer next few months...I need some rest now. HA!
On the credit side, I did manage to get a small $400 cli on my Kohl's card! Hey, I'll take it!
June has been absolutely magical for me.
Firstly, all of my 2018 inquiries are 1 year old thus unscorable. Due to my scores fluctuating so much, I couldn't quantify any point gains from that. I'm just glad they've aged. I plan to garden more than app, so I should never have more than one scorable inquiry on my report at any given time.
Secondly, I finally reached the 1 year mark on all levels (AOOA, AAOA, and AOYA) and saw a 9 point gain for breaking that age threshold. This puts me halfway through my 2 year gardening goal.
In saving the best for last, my 2012 foreclosure finally dropped off of my EX report this morning. Yesterday my EX 8 was 680, this morning it jumped up to 747.
My next big month should be August when the same foreclosure drops off of EQ... if Equifax adheres to their 1 month EE policy.
Latest F8 Score rolled in at 781. I'm creeping up to the goal.
Starting Score: F8 3xx
