Still in the garden but not for much longer. Just picked up my silver spade. Waiting for a few things to report this month, at least hopefully.
-paid my citi card to 0 after it held a balance for well around two years. That final payment hit just before I converted it to the Hilton reserve. Should report soon.
-closed my Victoria's Secret card in the last few days. Had it 2 years and didn't use it once. Waiting for that to report this month.
-my boa card is next on my list to close and replace by August. It's had a balance for a couple years as well but should be paid off in the coming months. My only card with a balance other than my PRG - has me at 16% util. 4 inquiries should fall of equifax the end of July so ill app for the card I want to replace it with then.
-closed my zync in the last few days as well. Replaced it with the prg earlier this year. Closed account should report soon.
Come a long way since deciding to take better care of my credit in November. Will update when i app for next card. Thanks to all for sharing your experiences and knowledge!
-paid my citi card to 0 after it held a balance for well around two years. That final payment hit just before I converted it to the Hilton reserve. Should report soon.
-closed my Victoria's Secret card in the last few days. Had it 2 years and didn't use it once. Waiting for that to report this month.
-my boa card is next on my list to close and replace by August. It's had a balance for a couple years as well but should be paid off in the coming months. My only card with a balance other than my PRG - has me at 16% util. 4 inquiries should fall of equifax the end of July so ill app for the card I want to replace it with then.
-closed my zync in the last few days as well. Replaced it with the prg earlier this year. Closed account should report soon.
Come a long way since deciding to take better care of my credit in November. Will update when i app for next card. Thanks to all for sharing your experiences and knowledge!
Hello everyone! I'm new to the Garden. I'll be here for at least 6 months. Trying to boost my score.
I went on an app spree a few weeks back after I bought a new car, so after being denied
For AMEX, I have decided to take a chill pill! Encouragement is encouraged!!!! Thanks....
I went on an app spree a few weeks back after I bought a new car, so after being denied
For AMEX, I have decided to take a chill pill! Encouragement is encouraged!!!! Thanks....
Starting Score: 625
Still gardening, although I got a good CLI from BOA from $15K to $30K. It was a SP confirmed on EX
88 days in the garden. 48 hours away from collecting my silver spade. Let the countdown begin!!!!
New goal 675
well my scorewatch score jumped 20 points for some reason, i expect it too drop a little when my balances report =/
oh well gardening anyways.
"normal people" report balances all the time...
How did u get your CL to increase on your two credit cards so quickly? We're they auto increases or SP?