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Valued Member
Posts: 92
Registered: ‎09-06-2008
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should I start doing "credit gardening" or ?

try to look for 1 or 2 more fresh accounts to be added to then time to do some credit gardening?
 
right now I have JCP $400 CL   Orchard Bank $500 CL  FP $300 CL
 
 
I could try to get $1,000 Secured Card thru either BOA or Citibank then one of those department store card ( I don't know which one yet )    thoughts ?
 
btw I only have EX FICO score at the moment which is 662
Looking to get back into 700s club by scratch that about 2012 maybe even 2010 Smiley Happy faster than I had thought. aiming for $10,000 Credit Card by 2010 as well ! as of 9/15/08 EX 662 EQ 681 TU 662
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Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
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Re: should I start doing "credit gardening" or ?

How old is your youngest account?

You should get a boost when the youngest one turns 6 months, and again when it turns 12 months.

It's definitely tough getting in with a decent card after BK. They really (and understandably) want to see a track record first.

I'm thinking that the longer that you can function with what you have, showing stability and self-discipline, the better for your future chances.

But I don't have a lot of experience in this area, so I will defer to others. (And I assume that you're familiar with the BK-Friendly thread stickied up above.) GL
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Valued Member
Posts: 92
Registered: ‎09-06-2008
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Re: should I start doing "credit gardening" or ?

hauling, thank you for replying.   2 months is the most recent new accounts but I am trying to get a gas card from 2001 to wake up and start using it before that account gets "purged" due to not using it at all. BK on my CRA shows 5/30/08 date.  so if I could bring that account from 2001 back to "active pattern"  I think that would have helped alot even tho that gas card CL is only $300.
Looking to get back into 700s club by scratch that about 2012 maybe even 2010 Smiley Happy faster than I had thought. aiming for $10,000 Credit Card by 2010 as well ! as of 9/15/08 EX 662 EQ 681 TU 662
Valued Contributor
Posts: 2,374
Registered: ‎03-15-2007
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Re: should I start doing "credit gardening" or ?

Don't even use the gas card for gas...buy the gas with an ATM card, then go inside and buy a Slurpee or a six-pack of soda with the card. A tank of gas in these degenerate days could take you over 10% on the card.
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in a credit-scoring postnuclear Stone Age...
Frequent Contributor
Posts: 367
Registered: ‎09-01-2008
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Re: should I start doing "credit gardening" or ?



TheNewWorldMan wrote:
A tank of gas in these degenerate days could take you over 10% on the card.


No kidding!
NFCU Flagship Rewards Visa $25k, USAA MC $3.5k, USAA Amex $3.5k
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Established Contributor
Posts: 794
Registered: ‎08-05-2008
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Re: should I start doing "credit gardening" or ?

Really, gas is that expensive? I hadn't noticed. Smiley Wink
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