Starting Score: TU 754 EQ 705 EX 680 (AmEx pull)
Starting Score (07/2011): EQ 706 TU 709
As pathetic as this might sound, I'm currently gardening with 1 cc (cap1 with a 500 CL). I'm trying like heck to clean my reports but can't for the life of me get into prime territory. So relunctantly I'm gardening with 1 rebuilder card LOL. It's tough but I'm holding off on unneccessary inq's when I know they'll result in declines.
Welcome to the garden club, I guess.
mAndrew1980 wrote:As pathetic as this might sound, I'm currently gardening with 1 cc (cap1 with a 500 CL). I'm trying like heck to clean my reports but can't for the life of me get into prime territory. So relunctantly I'm gardening with 1 rebuilder card LOL. It's tough but I'm holding off on unneccessary inq's when I know they'll result in declines.
Welcome to the garden club, I guess.
Everyone starts someplace.
I started rebuilding with a $500 card from 5th3rd bank and AU on a card DGF held. Now I have $32K between Citi, Chase, Amex , and USAA.
It just takes time, patience, and buttloads of discipline. 
mAndrew1980 wrote:As pathetic as this might sound, I'm currently gardening with 1 cc (cap1 with a 500 CL). I'm trying like heck to clean my reports but can't for the life of me get into prime territory. So relunctantly I'm gardening with 1 rebuilder card LOL. It's tough but I'm holding off on unneccessary inq's when I know they'll result in declines.
Welcome to the garden club, I guess.
Don't worry I gardened a subprime card for 4 years thinking it would grow... That was before I knew about MyFico 
anywho keep it up it will be a short few months!!!
As for me I'm forced into gardening due to my credit union card reporting 15 days before the close date 
I bought my wife a laptop, had a balance on the card for 7 days then PIF... My CU reports within a 3 week window! At the present moment, my utilization is over 20% and I'm not happy about it...
In October I added 1 Amex charge and 1 Barclay Amex Credit card based off of the information found in these forums!!! I planned on requesting a CLI with the CU card this month but I will hold off until next month! The subprime card is still the "little person" in my garden and will be snipped next year when the AF rolls around!
So how many new accounts is "too many" I've been trying to figure this out. I have 4 new accounts in the last 6 months. Any experiences with any of you having a bank CLD or close your accounts due to "too many" new accounts? I was wanting to pick up 1 last card, a Chase freedom before I garden for a few months!
mAndrew1980 wrote:As pathetic as this might sound, I'm currently gardening with 1 cc (cap1 with a 500 CL). I'm trying like heck to clean my reports but can't for the life of me get into prime territory. So relunctantly I'm gardening with 1 rebuilder card LOL. It's tough but I'm holding off on unneccessary inq's when I know they'll result in declines.
Welcome to the garden club, I guess.
Hey, I had just my Plat Cap 1 for two years -- gardening gardening gardening -- and in one day I was approved for Amex BCP and Chase Freedom. So, stay here and you'll be happy!
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