On my way to building credit, wish me luck.

[Anonymous]

So around the middle of last year my many many 18 year old me descions finally fell off my reports. The few that were left were incorrect so I disputed them and got it down to one lonesome negitive from 2013 when I had to break a lease because our upstairs neihbors kept waking our new born up and it was just a bad living enviroment. I do not have a Fico score as I guess I need 6 months of history and I have pretty much reset to "no history". My vantage score has went from 490 to 680 beginning last may.

I have went a little crazy on inquires, way too many. But I wanted to build a decent credit repratior off the starting line. Unfortunately did not find out about the Shopping Cart Trick until I had already went crazy on Hard Pulls.

My current cards

Unsecured Wells Fargo - $1500 (December 2015)

Secured Cap One - $211 (December 2015)

Secured Discover IT - $200 (January 2016)

Credit One - $500 (I intend to actually cancel this one after one year, horrible card) (January 2016)

Overstock - $700

Express - $500

J Crew - $500

Wayfair - $700

I am now going in the "garden" as I've seen people say for 6 months and hope that I can come out with a decent starting fico score.

Any suggestions?

I also have a bussiness with an EIN and an equifax rating of B, but that is only because it also has no credit history.

[EmmaGolden]

Best of luck! You are doing great, stick to your plan & let your seedlings grow. I too have way too many HP's, mainly because of impatience. My problem is I read posts & get over zealous as I too am trying to build from lack of recent history & have a thin file. My advise to you is stay in the garden, your patience will pay off. The extra HP's I have will keep me in the garden longer so they can age & not carry as much weight. A thin file does not support a over abundance of HP's. I was recently denied due to too many HP's & I only had 6. 

[Bankrupt2019]

Don't forget to get monthly CLI's on that overstock card!

[Anonymous]

Oh yes, Was really surprised they gave me one two days after getting approved lol.