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@shaun2009 wrote:
new to the garden gonna be here for 6 months ... gonna need alot of ointment hope everyone has extra bottles to share ;D
Welcome
1 Month since the last app! Still gardening...
@TwistedAngel wrote:I am gardening because I am new to truly understanding credit. I went three years with only one card, a visa from my credit union, rarely used it, and paid before a balance could report. I thought this was a good thing. I checked out credit karma on a whim, and found out that even though my scores are decent, my credit report has Fs on it. The AAoC isn't something I can do anything about, but it also said I needed more credit lines, and I didn't have any "activity". I stupidly applied for AMEX blue and Chase Sapphire and immediately got denied, for the above reasons and because I have too many inquiries on my report, 6 from shopping for a car loan. I also stupidly paid the car off completely the first month of the loan (I had saved up for it), because I have great fear of being in debt. I was raised on the whole "credit cards and loans are the devil and will ruin your life" thing. Through this forum and other resources, I have come to understand that credit cards are excellent tools when used responsibly.
I am tending my visa and new discover card to build my history, establish a well-rounded report, and hopefully eventually qualify for a Chase Freedom and Amex BCE, so that my report will no longer be so thin.
No doubt in my mind you will be fine keep up the good work
@WolfMan wrote:1 Month since the last app! Still gardening...
Looking good keep it going
@Candice: I am in awe of your perseverence and resilience during a difficult time. I'm struggling holding things togther lately and don't have half of that going on.
This thread in particular is great if you ever need a quick boost from others likewise trying keep on the straight and narrow from credit and finances in general perspectives. Welcome back to the forum!
@09Lexie wrote:
Welcome shaun2009!
We always have extra bottles...no worries 😉
+1 the best support system you can ask for
THIS is what is keeping me in the garden everyday!!!
Hi Dodfire, i am new to the forum, how do you get tha info you just posted?