...still feeling kinda blocked in.
I noticed this week that DW and my scores are starting to recover from all of our apps/new accounts at the end of 2013... Should have all six scores over 700 again by October or so...
....IF we don't app...
I hear you!
I just gardened for 7 (almost 8 months) after a massive app/cli spree. Just did another mini-spree and I probably won't even make 2 months before apping for 2 more cards (May most likely) Luckily it'll just be amex's. So at least it's SP if I don't get approved and will try again in June.
And while gardening does suck. I realize that randomly apping too much or 'without a plan' doesn't do me any good. I've been fortunate enough to rebuild my credit (from 480s) and in the recent years have been approved for everything I've apped for. Without properly gardening and having a strategy, it will just be a bunch of wasted HP and sad 'denied' news.
Stay garden strong my friend!
12/19/19 
06/11/20 
07/02/20
@tcbofade wrote:
...still feeling kinda blocked in.
I noticed this week that DW and my scores are starting to recover from all of our apps/new accounts at the end of 2013... Should have all six scores over 700 again by October or so...
....IF we don't app...
Come on now !!! If you want high scores and lower rates that the only way you can get both.
@tcbofade wrote:
...still feeling kinda blocked in.
I noticed this week that DW and my scores are starting to recover from all of our apps/new accounts at the end of 2013... Should have all six scores over 700 again by October or so...
....IF we don't app...
The longer you wait the better approval odds, and better terms too.
Started Gardening 4/3/2014
Oh, I'm plenty strong... I just don't LIKE it. 
@vpae wrote:I hear you!
I just gardened for 7 (almost 8 months) after a massive app/cli spree. Just did another mini-spree and I probably won't even make 2 months before apping for 2 more cards (May most likely) Luckily it'll just be amex's. So at least it's SP if I don't get approved and will try again in June.
And while gardening does suck. I realize that randomly apping too much or 'without a plan' doesn't do me any good. I've been fortunate enough to rebuild my credit (from 480s) and in the recent years have been approved for everything I've apped for. Without properly gardening and having a strategy, it will just be a bunch of wasted HP and sad 'denied' news.
Stay garden strong my friend!
Very well said
And to OP check the front porch before leaving the garden
@myjourney wrote:
@vpae wrote:I hear you!
I just gardened for 7 (almost 8 months) after a massive app/cli spree. Just did another mini-spree and I probably won't even make 2 months before apping for 2 more cards (May most likely) Luckily it'll just be amex's. So at least it's SP if I don't get approved and will try again in June.
And while gardening does suck. I realize that randomly apping too much or 'without a plan' doesn't do me any good. I've been fortunate enough to rebuild my credit (from 480s) and in the recent years have been approved for everything I've apped for. Without properly gardening and having a strategy, it will just be a bunch of wasted HP and sad 'denied' news.
Stay garden strong my friend!
Very well said
And to OP check the front porch before leaving the garden
LOL, MJ
I totally understand. I'm forcing myself into the garden for 6 months and it's going to be pretty boring. lol
