Regular Contributor
Posts: 107
Registered: ‎12-27-2010

Tips for first time gardener?

So I set up somewhat thick credit profile w/ cc's so I can have a solid AAOA if and when I choose to add/replace CC's.


What gardening tips can you offer for a first timer?

Posts: 132
Registered: ‎12-07-2010

Re: Tips for first time gardener?

[ Edited ]

Don't apply for any more credit... at all... O_o


Edit: Yes... don't app even if you really... REALLY... want to, and even if the offer is really good.

Starting Score: EX FICO: Unknown EQ FICO: 717 TU (CreditKarma): 713
Current Score: EX FICO: 737 EQ FICO: 752 TU (CreditKarma): 717
Goal Score: EX FICO: 760 EQ FICO: 760 TU (CreditKarma): 760

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Senior Contributor
Posts: 3,065
Registered: ‎11-02-2009

Re: Tips for first time gardener?

Stop visiting this site for a while.  Too much temptation.  I need to stay away for a while just because of the timesink this has become.

Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720

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Valued Contributor
Posts: 1,413
Registered: ‎01-20-2008

Re: Tips for first time gardener?

[ Edited ]

Keep it clean!!

  • Pay On Time ... Don't be Late ...
  • Charge ONLY you can PIF by the due date or closing date.
  • If you have ONLY one card ... keep its reporting balance within 1%~5% (may be up to 7%) util.
  • If you have multiple ccs ... keep the balance on the one or few of ccs with the balance between 1%~5% (may be up to 7%) util, and rest of ccs statement balance should be zero.
It's very tough with small income ~ The Rewards are big little helper to me.

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