well 1 day with the spade and now its gone.
but planning on gardening for at least 1+ years.
in the past 3 months.
chase freedom 500
citizens bank mc 500
ae 400
walmart 800
and now today amex zync for 500 limit with autopay. (today)
also got a new car and approved for tier one financing through toyota financial.(today) NO COSIGNER NEEDED!!! (thats giant for me)
im putting all my app power in a shed locking it with chains and throwing away the key.
score all about the day.
fico from myfico tu 688 eq 689
dealer pulled tu 704
and bank pulled eq i think and was 709 (for overdradt line of credit that was denied)
OlegWasHere wrote:well 1 day with the spade and now its gone.
You're doing fine man, one's first Amex, until Amex changes their backdating policy, is something I and probably most of the forum will always give people a free pass on as it should be done as soon as possible.
Gardening is a tool, not the end goal in and of itself. Honestly in the year+ you're talking about, you'll be in better shape with that Amex than without it, so it's a quality app regardless when it comes to credit building... which is the whole goal of gardening in the first place really. Gardening and strategic apps go hand in hand when we're talking about prettying up one's credit report and resultant FICO score.
Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)Current Score: EQ 660, Wally TU 697, EX unknown (05/13/13)
Goal Score: 680 in all three (01/01/14)
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