04-02-2017 09:28 AM
I'm only here for one month I'll be applying for a Capital One Venture in mid-May, and hoping for a $10k+ SL. Eventual goal is to PC it to a Quicksilver to get a Visa version, then combine my older QS into it.
Scores should all be over 700 by the time I app, so fingers crossed for a big SL!
04-02-2017 10:02 AM
I figured I'd go ahead and start my gardening journey this month.
I went on a slight app spree throughout the month of March and got all the cards that currently appeal to me. AAoA before all the new accounts in March was something along the lines of 6yrs. Curious to see the score hit from the abundance of new accounts. Scores before time of app were all in the 755-770 range.
I don't really have a set date for gardening, just kind of going with the flow. The current plan is to just wait it out until mortgage time a couple years down the road, assuming nothing extremely eye-catching pops up on the market.
Last app date was 3-30-17, I believe the hard hits officially showed up on 3-31. I'll go with 4-1 as my "official" start date, for the sake of simplicity.
04-02-2017 11:36 AM
After leaving the garden in March, it's been about a month that I've been back in again. I just checked my FICO 8 scores and they seem unfazed by my recent Sheetz gas card which gives me 5 cents off a gallon at our local Sheetz stations. I was excited to see the highest scores I've ever had since I started tracking the scores in 2015.
Happy gardening everyone!
Way to go! Keep up the good work. Great scores.
04-02-2017 11:46 AM
Funny thing isn't it.
We strive when were in the 600's FICO range to make the accomplishment to 700. That's a huge goal and a relief when swimming in the 600's for a long time, been there. Plenty of good card accounts for long term thank goodness can be had even in the 600's.
Then when you begin to swim the 700's you do all that you can to try and stay there. It's a long climb sometimes but this gardening proves how very useful it is to just lay back and let the cards acquired move from month to month reaching 6 month then a 1 year and so on and so forth or whatever works best for your particular situation.
Once you get to 800's you got this FICO Scoring thing licked pretty good.
That's a long way off for this member and many of us yet but to keep gardening and gardening and trying to lay off apps longer then ever before really does make a difference.
Garden Long And Strong Fellow Gardeners
04-02-2017 02:25 PM
I'm still here!
No plans still for any new credit, though I am tempted to get a Lowe's card now to do some home improvements before we sell this house.
My only set in stone plan is to buy our second home within 6 months. The date keeps changing due to hubby's work, but VERY soon I will be house hunting or designing with a builder.
For now I am stalking real estate websites and gardening
Happy April to all of you
04-02-2017 04:31 PM
Great month March was. Swapped for the gold Disco card, and now added the gold spade for April. And finally passed 720 with Equisux. Just need a few points with TU to have all 720's. And started in the mid 500's after BK 11/15. Feels great!
04-02-2017 06:51 PM
Today marks one month in the garden! Had to put an unexpected expense on a card so I'm focusing on growing my TLs, getting my util back down and getting rid of these baddies bringing my score down.
04-02-2017 07:02 PM - edited 04-02-2017 07:06 PM
Happy April everyone! Lovely spring showers here on the east coast...or you know downpours. Maybe so not so lovely. April started off with forward facing my 2.5 year old son (totally nothing to do with credit i know!). Cue mom guilt. I'm still planning to stay in the garden until March 2018ish. Good luck to my fellow gardeners!
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