less than a month to go until I reach silver.
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
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!
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, 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.
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.
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
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