@Anonymous wrote:
I am so darn sick of my stagnant scores. My TU score hasn't gone up or down more than 4 points in 6-8 months.
I hear ya. Outside of 1 month where installment loan was paid off(actually dropped 10 points) mine hasn't moved more than 5 points in last year.
Interestingly I PIF on all my cards and 1 card I let report with 1 or 2% UTI. Perhaps I need to switch things up a bit? I have opened 3 new accounts in last 9 months, 2 in last month and have closed 2 accounts as well. The points basically were a wash.
I guess outside of adding a new installment loan I can really only just garden and hope my scores move up 20-30 points. Really trying to get above 800. I'm so close.
I have been considering adding accounts with Penfed but I don't want to add anymore inq's and I truly don't need anything right now. I might open a Roth IRA so that might be the only legit account that would be opened in the next 6 months but we'll see.
Just looking for some encouragement to stay gardening and not look for new apps unless absolutely necc. 
@NichelleN wrote:I'm still hanging out in the garden and enjoying the view. And apparently, yesterday was the day Bank of America decided they don't hate me anymore. Some time ago, in order to help rebuild my credit, I opened 3 secured cards, one of which was BofA. This was a $300 card. Twice I tried to unsecure it and received a big 'Nope!' as a response. The last letter said that I didn't have enough assets invested with Bank of America in proportion to my income. Hmm.. I think the real reason was that I previously had a mortgage with BofA that had a period of a derogatory payment history. Time has passed but it's on the report. An analyst told me during a call that her supervisor didn't like the mortgage info. I thought, I have cards with Discover, Cap1, etc but Bank of America doesn't yet trust me with $300. Okay. I screwed up and I'm paying the price. But, $300? Anyway, I was going to close the card but took the advice here and left it open.
I called yesterday because I can't find the card. I never carry it with me. I just totally forgot where I put it. The rep informed me that they've mailed back my $300 and the card is no longer a secured card. I don't even care what the limit is, didn't ask.
Bank of America now feels I can be trusted with credit again. Progress, I guess
Congrats!
Approaching the two months without an app point so far so good.
;
I am with you and 2011XTERROR with stagnant scores. It is hard not to be proactive, aging along with your credit cards is harder than it sounds. The only cards that I see myself adding is a business card, either Spark or an Ink. I might apply for a FU at the same time. I don't think opening a Roth IRA will kick you out of the garden, it is not credit. We can encourage each other.
@maxq wrote:
@Anonymous wrote:
I am so darn sick of my stagnant scores. My TU score hasn't gone up or down more than 4 points in 6-8 months.I hear ya. Outside of 1 month where installment loan was paid off(actually dropped 10 points) mine hasn't moved more than 5 points in last year.
Interestingly I PIF on all my cards and 1 card I let report with 1 or 2% UTI. Perhaps I need to switch things up a bit? I have opened 3 new accounts in last 9 months, 2 in last month and have closed 2 accounts as well. The points basically were a wash.
I guess outside of adding a new installment loan I can really only just garden and hope my scores move up 20-30 points. Really trying to get above 800. I'm so close.
I have been considering adding accounts with Penfed but I don't want to add anymore inq's and I truly don't need anything right now. I might open a Roth IRA so that might be the only legit account that would be opened in the next 6 months but we'll see.
Just looking for some encouragement to stay gardening and not look for new apps unless absolutely necc.
@driftless wrote:I am with you and 2011XTERROR with stagnant scores. It is hard not to be proactive, aging along with your credit cards is harder than it sounds. The only cards that I see myself adding is a business card, either Spark or an Ink. I might apply for a FU at the same time. I don't think opening a Roth IRA will kick you out of the garden, it is not credit. We can encourage each other.
@maxq wrote:
@Anonymous wrote:
I am so darn sick of my stagnant scores. My TU score hasn't gone up or down more than 4 points in 6-8 months.I hear ya. Outside of 1 month where installment loan was paid off(actually dropped 10 points) mine hasn't moved more than 5 points in last year.
Interestingly I PIF on all my cards and 1 card I let report with 1 or 2% UTI. Perhaps I need to switch things up a bit? I have opened 3 new accounts in last 9 months, 2 in last month and have closed 2 accounts as well. The points basically were a wash.
I guess outside of adding a new installment loan I can really only just garden and hope my scores move up 20-30 points. Really trying to get above 800. I'm so close.
I have been considering adding accounts with Penfed but I don't want to add anymore inq's and I truly don't need anything right now. I might open a Roth IRA so that might be the only legit account that would be opened in the next 6 months but we'll see.
Just looking for some encouragement to stay gardening and not look for new apps unless absolutely necc.
Yes we def can encourage one another! Not only eyeing up accounts with PenFed but I'm looking at the Chase AARP card. I don't have anything in my stable that gives the rewards of the AARP so maybe I should skip the PenFed card and go with the AARP when it's time. Maybe I'll look at bonuses and see what's available at that time. Heck by then there probably will be a dozen new cards out lol.
But I digress. Stay in garden!!! 
@driftless wrote:I am with you and 2011XTERROR with stagnant scores. It is hard not to be proactive, aging along with your credit cards is harder than it sounds. The only cards that I see myself adding is a business card, either Spark or an Ink. I might apply for a FU at the same time. I don't think opening a Roth IRA will kick you out of the garden, it is not credit. We can encourage each other.
@maxq wrote:
@Anonymous wrote:
I am so darn sick of my stagnant scores. My TU score hasn't gone up or down more than 4 points in 6-8 months.I hear ya. Outside of 1 month where installment loan was paid off(actually dropped 10 points) mine hasn't moved more than 5 points in last year.
Interestingly I PIF on all my cards and 1 card I let report with 1 or 2% UTI. Perhaps I need to switch things up a bit? I have opened 3 new accounts in last 9 months, 2 in last month and have closed 2 accounts as well. The points basically were a wash.
I guess outside of adding a new installment loan I can really only just garden and hope my scores move up 20-30 points. Really trying to get above 800. I'm so close.
I have been considering adding accounts with Penfed but I don't want to add anymore inq's and I truly don't need anything right now. I might open a Roth IRA so that might be the only legit account that would be opened in the next 6 months but we'll see.
Just looking for some encouragement to stay gardening and not look for new apps unless absolutely necc.
Bravo GC support
@maxq wrote:
@driftless wrote:I am with you and 2011XTERROR with stagnant scores. It is hard not to be proactive, aging along with your credit cards is harder than it sounds. The only cards that I see myself adding is a business card, either Spark or an Ink. I might apply for a FU at the same time. I don't think opening a Roth IRA will kick you out of the garden, it is not credit. We can encourage each other.
@maxq wrote:
@Anonymous wrote:
I am so darn sick of my stagnant scores. My TU score hasn't gone up or down more than 4 points in 6-8 months.I hear ya. Outside of 1 month where installment loan was paid off(actually dropped 10 points) mine hasn't moved more than 5 points in last year.
Interestingly I PIF on all my cards and 1 card I let report with 1 or 2% UTI. Perhaps I need to switch things up a bit? I have opened 3 new accounts in last 9 months, 2 in last month and have closed 2 accounts as well. The points basically were a wash.
I guess outside of adding a new installment loan I can really only just garden and hope my scores move up 20-30 points. Really trying to get above 800. I'm so close.
I have been considering adding accounts with Penfed but I don't want to add anymore inq's and I truly don't need anything right now. I might open a Roth IRA so that might be the only legit account that would be opened in the next 6 months but we'll see.
Just looking for some encouragement to stay gardening and not look for new apps unless absolutely necc.
Yes we def can encourage one another! Not only eyeing up accounts with PenFed but I'm looking at the Chase AARP card. I don't have anything in my stable that gives the rewards of the AARP so maybe I should skip the PenFed card and go with the AARP when it's time. Maybe I'll look at bonuses and see what's available at that time. Heck by then there probably will be a dozen new cards out lol.
But I digress. Stay in garden!!!
Love the GC team work at play here
Bravo #2
Hello GC family
Got great feed back from you all so.........
GC questions of the day HP/INQ/Pulls
Do you consider which CB will be pulled before applying and plan accordingly for more than 2 cards so as not to have them all on the same CB or does it even matter?
What is to many? Obviously thick or thin file plays an important part in this decision.
If you could place a $ value on HP's what would it be worth to you?
No judging
Weather you have 5 or 52 HP's just an open discussion to educate through open dialog to provoke thought and conversation
As always thanks
MJ