601 to 740 in under 30 days...

[Anonymous]

Thanks Donna!

[Anonymous]

I'm new here... what does garden mean and how does it work?

[Anonymous]

ckweb, Nice Score! I'm glad you checked out the EX Tool. As a follow up to DollyLama, I did the Self Lender option for credit mix. Super simple, just set it for auto pay and go.

I was a little apprehensive at first so I did the base term of 24 months @ $25.00. Very happy to report that Self Lender reported after about 60 days, and my EX Fico8 score jumped about 47 points. The credit mix is a huge factor.

Happy to share if you need info related to Self Lender.

[Anonymous]

Many many congratulations on your progress!

[Anonymous]

@Beez_1206

It refers to the time when you're not applying for any new cards/lines of credit and you're letting you're current cards/loans grow and mature. Your "gardening" so to speak by tending to your current "crop" of credit.

Hope that helps!

[Anonymous]

Just wanted to post an update:

All 3 of my secured cards are now posted to my report as well as 3 AUTH cards for a total of 6 accounts.

Credit utilization is at 27% right now dude to one of the AUTH cards I'm on carrying a decent balance.

FICO 08 went up again though:

When the utilizations drops down into single percentage, should this go up even more?

Thanks!

[Anonymous]

Thats awesome congrats!

From my experience when mine dropped to single digits it did improve my scores. At least a couple points. So I'd say yes. 

[Anonymous]

I dropped my utilization down to a single digit percentage which should report on the 4th.

Hoping to see some positive results!

Will keep this thread updated

[cjane1]

The benefit of Credit Karma is reporting only, the scores are way off from the correct scores.