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CS, Recovering while in the Garden..

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JaeJae12
Frequent Contributor

CS, Recovering while in the Garden..

Hey all, just an update after my app spree 3 months ago and getting the CSP last month. My scores are bouncing back Smiley Happy current Fico score is already back at 739. Mind that I had a short aaoa and only had 1 TL before the spree so my scores took a large hit, but I'm glad that being in the garden currently is helping me bring back my scores. Before the spree my fico's was at 796!! Anyone think I can break into the 800's after this year end?

BCE- 50 k-BOA 123 100k -Freedom unlimited-95k- Citi DC- 200k-CSR 175k
Garden mode



Message 1 of 5
4 REPLIES 4
eviLution
Established Contributor

Re: CS, Recovering while in the Garden..

Wow, you had a 796 with only 1 tradeline?!?! Smiley Surprised What was your AAoA before the spree?!

DCU Platinum: 4000 - Discover IT: 11000 - Walmart: 5000 - AMEX BCP: 18000 - Chase Freedom VS: 5000
in the garden since 1/24/14 - #GARDENSTRONG
Message 2 of 5
djc1puno
Valued Contributor

Re: CS, Recovering while in the Garden..

Nice! Always pays off being in the garden Smiley Happy


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Message 3 of 5
NewtoCredit80
Frequent Contributor

Re: CS, Recovering while in the Garden..

Has the csp hit your credit report yet? if not then your Aaoa will take a hit again.


PNC Secured 2000 (Dec12), Chase Amazon 2000 (Apr13), CapOne Newcomer 2500 (May13), Citi dividend 3000 (May13), Discover IT 1000 (Jul13), Amex BCP 6000 (Jul13), Chase Southwest 10000 (Jul13), Chase Marriott 12000 (Oct 13), BofA Travel Rewards 5000 (Dec13)

- In garden till Dec 2014
Message 4 of 5
JaeJae12
Frequent Contributor

Re: CS, Recovering while in the Garden..

Yea my CS was 796 and I only had a BoA card for 3years with perfect payment/ no baddies in my CR ever. And the CSP hasn't hit yet, it shud it next month but my new TL's will be 6 months old already so it shouldn't be that bad.

Hopefully with these new TL I can finally hit 800 by year when the new acts are all 1yr old

BCE- 50 k-BOA 123 100k -Freedom unlimited-95k- Citi DC- 200k-CSR 175k
Garden mode



Message 5 of 5
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