We almost stepped out of the garden to app for a credit card with Credit Union of Southern California but, when they told us it would be another hard pull, after their having just done a hard pull for the membership, we decided to wait. We've just got too many inquiries. We did get the Experian FICO® out of the deal though so, that counts for something!
Back to trying to get some credit history built up with our little secured sprouts.
Hey All,
Gardening is awesome (prior to finding this forum, I didn't even know what it was). For the past 2 years I've averaged about 15 apps/year (never realized that was a problem), and had extremely high utilization on my credit cards.
Since joing the Garden Club, I have had no apps since 12/11, and I've reduced my revolving debt from around 80% to just under 50%.These 2 things together have raised my TU08 from 670 to 713 - a 43 point jump in the past 3 months! 
I still owe about $20,000 in CC debt, but I'm trying like crazy to get this paid off by the end of the year - can't wait to see what the rest of 2012 brings.
Thanks for the support, everyone.
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