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Established Member
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
Posts: 473
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 -- Chase Sapphire Preferred: $25,000 -- Amex PLat: $NPSL -- Amex Everyday Preferred: $10,000 -- Citi TY Premier World: $16,800 -- NWFCU: $7,500 -- Chase Amazon Rewards: $7,000 -- Citi Home Depot: $7,000 -- Citi AAdvantage Platinum Visa Sig: $5,000 -- Visa Black Card: $5,400 -- Discover IT: $8,000 -- AmexTrueEarnings: $10,000 -- 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
Posts: 26,806
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:



+ Chase Ink =

Frequent Contributor
Posts: 324
Registered: ‎04-12-2013
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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 Emeritus
Posts: 10,924
Registered: ‎12-30-2011
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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 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Established Member
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+
Community Leader
Senior Contributor
Posts: 4,457
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 ?

Move the mouse over the cards for detailed view!
FICO® EQ 797 (as of today) - TU 773 (03/28) - EX 781 (04/03).. ¦ ..Fako EX 770 (04/03 - CS)
Vantage score 3.0 TU 770 - EQ 793 (CK 04/03).. ¦ ..AAoA 3yrs9mts.. ¦ ..INQ EQ (2) TU (5) EX (2)


Senior Contributor
Posts: 7,254
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
Posts: 1,200
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 752 EQ 749 EX 757 Last Update 3/2015
Garden Club 04/10/2013 (Goal 2015 or Longer)



Established Member
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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