@KennyRS wrote:
You already have 3 credit lines. you should garden and not obtain more until your score is better and your inquiries age off. If you can increase your deposit with wells fargo. you are far too impatient.
+1
Leave your credit now and garden, let your tradelines age, let your inq age off, get your scores up and your are golden to apply for better cards....just give it time! Rom was also not built in 1 day 
@lg8302ch wrote:
@KennyRS wrote:
You already have 3 credit lines. you should garden and not obtain more until your score is better and your inquiries age off. If you can increase your deposit with wells fargo. you are far too impatient.+1
Leave your credit now and garden, let your tradelines age, let your inq age off, get your scores up and your are golden to apply for better cards....just give it time! Rom was also not built in 1 day
Rom wasn't but Rome was 
Just having some fun buddy! I agree with you 100%. A good portfolio takes time. It is not something to rush into and hurt yourself for a year to get a $300 secured CL.
@azguy13 wrote:
@lg8302ch wrote:
@KennyRS wrote:
You already have 3 credit lines. you should garden and not obtain more until your score is better and your inquiries age off. If you can increase your deposit with wells fargo. you are far too impatient.+1
Leave your credit now and garden, let your tradelines age, let your inq age off, get your scores up and your are golden to apply for better cards....just give it time! Rom was also not built in 1 day
Rom wasn't but Rome was
Just having some fun buddy! I agree with you 100%. A good portfolio takes time. It is not something to rush into and hurt yourself for a year to get a $300 secured CL.
lol.... that is when a German native speaker tries to write in English
@lg8302ch wrote:
@azguy13 wrote:
@lg8302ch wrote:
@KennyRS wrote:
You already have 3 credit lines. you should garden and not obtain more until your score is better and your inquiries age off. If you can increase your deposit with wells fargo. you are far too impatient.+1
Leave your credit now and garden, let your tradelines age, let your inq age off, get your scores up and your are golden to apply for better cards....just give it time! Rom was also not built in 1 day
Rom wasn't but Rome was
Just having some fun buddy! I agree with you 100%. A good portfolio takes time. It is not something to rush into and hurt yourself for a year to get a $300 secured CL.
lol.... that is when a German native speaker tries to write in English
Now I'm reading your posts with an accent in my head. SMH.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@FixMyCredit1992 wrote:The HP for the BOA secured is already on my CR.
It's either.
A. Go ahead and mail in the $300 Security deposit, and wait 12 months to graduate for the BOA Secured.
B. App for the FNBO Secured, possible CLI at 6 months, possible chance to get unsecured in 9, suffering another HP.
C. Keep the $300 and use it to pay down balances, but have a wasted BOA hp.
Which should I do?
Go with option A....why? Option B is full of "Possible" not guaranteed. I did that and now I have a great unsecured card at $1700. Add to that yes, it took 12 months to have the card graduate, but every 3 months for the last 9 months I keep getting $300 CLI ( I started out at $300). The secured card with BofA takes time but is a sure bet as long as you make your payments and don't go wild.
Slow and steady wins the race. Slow down, this is not an instant fix, though you know that and seem very impatient. I suspect more is going on behind the scenes ...but I digress.
Go with the sure bet that will grow with you and is instantly recognized anywhere you would want to use a card.
@yudeology101 wrote:
@FixMyCredit1992 wrote:The HP for the BOA secured is already on my CR.
It's either.
A. Go ahead and mail in the $300 Security deposit, and wait 12 months to graduate for the BOA Secured.
B. App for the FNBO Secured, possible CLI at 6 months, possible chance to get unsecured in 9, suffering another HP.
C. Keep the $300 and use it to pay down balances, but have a wasted BOA hp. AND ALSO SPEND $10 EACH OUT OF THAT $300 TO FREEZE ALL YOUR REPORTS
Which should I do?
Ignore my earlier advice, this is better
You can lead a horse to water but you can't make him drink.
BK DC 10/18/18
