@pazuzu wrote:Not only have I abstained from applying for new accts, I have also not requested any CLIs on the cards I have b/c that is credit seeking behavior, too.
THOU SHALT NOT SEEK ADDITIONAL CREDIT IN ANY FORM!
That means STAY AWAY FROM THE PAYPAL THREADS!!!! 
I am still in the garden 
less than a month to go until I reach silver.
less than a month to go until I reach silver.
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Hi Everyone!!!
@brookele wrote:Just noticed I passed my 1month mark and am now the proud owner of a shiny new bronze spade!
I did get a credit steps increase on my Cap1 rewards card, which just turned 6 months old a few days ago, so now that's at $750 (where it'll probably stay forever now, haha. actually, I'll probably just wait till I get closer to the AF date and contact EO and see if I can get that fee waived. or maybe I'll just pay it for another year, we'll see.)
I'm excited to garden and see everything grow. I'm only 22, so I'm just starting my journey and I've definitely got time, and I feel like - other than, arguably, Cap1 - I've got a good bunch of cards here that will grow well with me.
Way to go -- congrats!
Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
I guess I plan to garden for 6 months.
Just got my first 4 credit cards. Well still waiting on 3 of them to arrive.
Will just 61 day 3xCLI my Amex, and occasional GECRB increases on my Banana Republic, will let Amazon and Jcrew auto CLI, since I know Chase will Hard Pull, and Jcrew was just there to have one retail account. With these new accoutns my AAoA droped a bit, but 6 months from now it will be exactly 3 years, so should be good for applying for 3 more cards(Disover, Freedom, PenFed). After that I think I'll be done for good w/ CCs and only go for CLIs. Unless someone comes up with a 5% year round cashback on restaurants.
Officially joining the Garden Club. I'm planning on staying for 12 months, until inquiries are gone and spending that time working on derogs and hopefully getting some CLI!
I will be gardening for 5 or 6 months until my credit improves have some inquiries drop off mainly history of payments improve. I've gotten my util to 20-25%
Got rid of two collections & deleted
So now just improve payment history hopefully in 6 months reopen my nordies & then apply for local bank cc. I have 3 credit builder from capital one. Tons of inquiries should drop off by then. Maybe get a few gw deletion as well. Going to limit apps one every 6 months.
Got rid of two collections & deleted
So now just improve payment history hopefully in 6 months reopen my nordies & then apply for local bank cc. I have 3 credit builder from capital one. Tons of inquiries should drop off by then. Maybe get a few gw deletion as well. Going to limit apps one every 6 months.
Starting Score: 534
@sarkell wrote:
I will be gardening for 5 or 6 months until my credit improves have some inquiries drop off mainly history of payments improve. I've gotten my util to 20-25%
Got rid of two collections & deleted
So now just improve payment history hopefully in 6 months reopen my nordies & then apply for local bank cc. I have 3 credit builder from capital one. Tons of inquiries should drop off by then. Maybe get a few gw deletion as well. Going to limit apps one every 6 months.
Sounds like you have a great plan