what is the garden

[juniornj23]

i wondering what is the garden 

i new on this

[Skye12329]

Gardening is where you dont apply for any new credit. Basically to help your report and such. I am currently gardening, its been 13 mos. since my last app. Sometimes you will see a symbol in someones signature showing how far each person is. I have a platnium spade representing that its been at least 12 mos since my last app.

[-NewGuy-]

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@juniornj23 wrote:

i wondering what is the garden 

i new on this

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The garden is for people to refrain from applying for new credit and take care of the tradelines that they have. Check out the garden club thread, which is on the first page in the credit cards forum.

[coldnmn]

Not applying for credit or HP Credit Limit Increases. Check out the Garden Club meeting it explains in detail. Welcome to the forum!

[juniornj23]

BUT YOU NEED CREDIT CARDS TO BUILD YOUR CREDIT 

IM TRY TO BUILD MY CREDIT 

TU 654

EX 611

EQ 614

HOW DO I CAN GET TO 700  WITH ONLY 5 CREDIT CARD AND AUTO LOAN  ALSO A PERSONAL LOAN

[-NewGuy-]

Working on getting the negatives removed from your credit report is the most important. You have some credit cards already. Check out the rebuilding forum for discussions on how to do a PFD and GW

[Skye12329]

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@juniornj23 wrote:

BUT YOU NEED CREDIT CARDS TO BUILD YOUR CREDIT 

IM TRY TO BUILD MY CREDIT 

TU 654

EX 611

EQ 614

HOW DO I CAN GET TO 700  WITH ONLY 5 CREDIT CARD AND AUTO LOAN  ALSO A PERSONAL LOAN

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Correct you do. However building credit is like a triathalon not a sprint. So all in time with a healthy relationship with your lenders it will build. So heres my current stats. Mine are similar to yours. 

0 Baddies 

1.8 yrs AAOA

5 credit cards (3 revolving, 2 store)

100% payment history

20k in student loans

The above info is my stats which has me with a 706 Fico Score. So in other words its easily possible, just keep all your accounts in good standing. And let those accounts age, unfortunately we cannot control time. Wish we could though. Also low utilization will keep your scores higher too. 

So for me currently i have 64% utilization, my score is hurt a little. However once i have paid all my cards and they report my score will go back up. So keep your cards paid preferable in full. 

[BluePoodle]

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@Skye12329 wrote:

Gardening is where you dont apply for any new credit. Basically to help your report and such. I am currently gardening, its been 13 mos. since my last app. Sometimes you will see a symbol in someones signature showing how far each person is. I have a platnium spade representing that its been at least 12 mos since my last app.

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That Platinum spade sure is shinny! Congrats!

[Skye12329]

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@BluePoodle wrote:

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@Skye12329 wrote:

Gardening is where you dont apply for any new credit. Basically to help your report and such. I am currently gardening, its been 13 mos. since my last app. Sometimes you will see a symbol in someones signature showing how far each person is. I have a platnium spade representing that its been at least 12 mos since my last app.

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That Platinum spade sure is shinny! Congrats!

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Thanks, so hard keeping it. However i am going to lose it next month or two from now.  Chase is tempting me. 

[Kenny]

http://ficoforums.myfico.com/t5/Credit-Cards/Garden-Club-Meeting-June-2014/td-p/3138796

Come join us!