cancel
Showing results for 
Search instead for 
Did you mean: 

Thanks for all of your help!

Established Member

Thanks for all of your help!

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+
Message 1 of 13
12 REPLIES
Established Contributor

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...

 

$30,500$18,500NPSL$15,000$10,000$25,000$32,000
Message 2 of 13
Super Contributor

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 WTGSmiley Wink

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 3 of 13
Frequent Contributor

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
Message 4 of 13
Moderator

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 Smiley Wink.

 

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 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 741, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (1/1/18)
Goal Score:    EQ 5 771, TU 4 750, EX 2 776, EQ 8 809, TU 8 774, EX 8 822 (01/01/19)


Take the myFICO Fitness Challenge
Message 5 of 13
Established Member

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+
Message 6 of 13
Senior Contributor

Re: Thanks for all of your help!

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

Message 7 of 13
Senior Contributor

Re: Thanks for all of your help!

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

Message 8 of 13
Valued Contributor

Re: Thanks for all of your help!

Congrats on all your recent success and welcome to the garden partySmiley Happy


Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013
Message 9 of 13
Established Member

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+
Message 10 of 13