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Established Member
lissa1184
Posts: 47
Registered: ‎04-14-2013
0

Thanks for all of your help!

[ Edited ]

I have been lurking on this site for months while gathering information. I hardly used credit cards and a few small cards with small limits. With the help of this forum I have been able to obtain the following cards:

 

Discover It

Lowes

Macys

Wal-mart

Paypal Mastercard

Barclays

US Bank

 

I am now off to the garden for the next year while I let my accounts age and grow by requesting soft cli. Once these accounts age and grow I am going to get rid of the following cards:

 

2 1st Premier

Orchard Bank * If Cap1 doesn't increase my limit

Continental


Starting Scores May 2013: EQ 604 TU 661 EX 690
Goal Scores: 700+
Frequent Contributor
RSCo
Posts: 472
Registered: ‎02-11-2013
0

Re: Thanks for all of your help!


lissa1184 wrote:

I have been lurking on this site for months while gathering information. I hardly used credit cards and a few small cards with small limits. With the help of this forum I have been able to obtain the following cards:

 

Discover It

Lowes

Macys

Wal-mart

Paypal Mastercard

Barclays

US Bank

 

I am now off to the garden for the next year while I let my accounts age and grow by requesting soft cli. Once these accounts age and grow I am going to get rid of the following cards:

 

2 1st Premier

Orchard Bank * If Cap1 doesn't increase my limit

Continental


Nice haul.. Congrats to you...

 

Citi Hilton Honors: $25,000 -- Amex PRG: $NPSL -- Citi TY Premier World: $9,880 -- NWFCU: $7,500 -- Citi Home Depot: $7,000 -- Citi AAdvantage Platinum Visa Sig: $5,000 -- Visa Black Card: $5,000 -- Discover IT: $5,000 -- AmexTrueEarnings: $5,000 -- Amex Gold Delta: $4,500 -- Pottery Barn: $4,000 -- Ethan AllenGE: $4000 -- Chase Slate: $2,500 -- CapOne Platinum: $2,500 -- CapOne Platinum: $2,500 -- AmazonGE: $2,200 -- Barclays BJs: $1,800 -- WalmartGE: $1,500 -- PenFed LOC: $500
Community Leader
Senior Contributor
myjourney
Posts: 26,602
Registered: ‎02-07-2013
0

Re: Thanks for all of your help!


lissa1184 wrote:

I have been lurking on this site for months while gathering information. I hardly used credit cards and a few small cards with small limits. With the help of this forum I have been able to obtain the following cards:

 

Discover It

Lowes

Macys

Wal-mart

Paypal Mastercard

Barclays

US Bank

 

I am now off to the garden for the next year while I let my accounts age and grow by requesting soft cli. Once these accounts age and grow I am going to get rid of the following cards:

 

2 1st Premier

Orchard Bank * If Cap1 doesn't increase my limit

Continental


Welcome to the forum

Congrats on the new cards and your rebuilding process bravo. I also noticed you joined the garden to grow those seedling WTG:smileywink:

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Frequent Contributor
NewtoCredit80
Posts: 324
Registered: ‎04-12-2013
0

Re: Thanks for all of your help!

Lot of cards with small limits. Try to get cli on those during your stay in garden. One year of good payment history would result in high CL on new card approvals.


PNC Secured 2000 (Dec12), Chase Amazon 2000 (Apr13), CapOne Newcomer 2500 (May13), Citi dividend 3000 (May13), Discover IT 1000 (Jul13), Amex BCP 6000 (Jul13), Chase Southwest 10000 (Jul13), Chase Marriott 12000 (Oct 13), BofA Travel Rewards 5000 (Dec13)

- In garden till Dec 2014
Moderator
Revelate
Posts: 9,477
Registered: ‎12-30-2011
0

Re: Thanks for all of your help!


NewtoCredit80 wrote:
Lot of cards with small limits. Try to get cli on those during your stay in garden. One year of good payment history would result in high CL on new card approvals.

Gotta start somewhere, and Walmart cards don't stay small for long if used correctly and then simply asking for some absurd limit apparently :smileywink:.

 

Welcome to the forums lissa!  

 

You setup a decent number of diverse tradelines, that's a solid start and I highly applaud your decision to garden for a while as you continue to build your positive credit history.  Absolutely fantastic progress so far!

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


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Established Member
lissa1184
Posts: 47
Registered: ‎04-14-2013
0

Re: Thanks for all of your help!

Thanks for all of your positive feedback.


Starting Scores May 2013: EQ 604 TU 661 EX 690
Goal Scores: 700+
Valued Contributor
lg8302ch
Posts: 2,787
Registered: ‎11-13-2012
0

Re: Thanks for all of your help!

Congrats and see you in the garden ... time to pick up your seedling ?

FICO® EQ 788 (as of today) - TU 767 (09/28) * Fako EX 789 (09/02 - CS) * last app 06/01/14 * INQ last 2 yrs TU: 5, EX: 7, EQ: 7


Move the mouse over the cards for detailed view!..................................................................* Silver Spade Garden Club member *

Valued Contributor
FocusedAndDetermined
Posts: 6,379
Registered: ‎01-05-2013
0

Re: Thanks for all of your help!

Well, haven't you done nicely?!  Congrats!  See you in the garden.


Valued Contributor
asphaltcowboy
Posts: 1,124
Registered: ‎02-03-2013
0

Re: Thanks for all of your help!

Congrats on all your recent success and welcome to the garden party:smileyhappy:



Starting Score TU 667 EQ 663 EX 655
Current Score TU 721 EQ 719 EX 717 Last Update 8/2014
Garden Club 04/10/2013 (Goal 2015 or Longer)




Established Member
lissa1184
Posts: 47
Registered: ‎04-14-2013
0

Re: Thanks for all of your help!

I've actually tried to place the link in my siggy but it does not show up.


Starting Scores May 2013: EQ 604 TU 661 EX 690
Goal Scores: 700+

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