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Valued Member
Posts: 32
Registered: ‎05-05-2009
0

Gardening??

Hey Everyone:  Is gardening when you don't apply for credit for a certain period of time?  If that is the case, then I am gardening for the next year and trying to save up for car.  Living in NYC I don't need a car immediately and working on trying to get my credit to a place where I can apply for a home in 2014.  Have been checking out  NACA and SONYMA and if anyone has used NACA or SONYMA I would appreciate your advice.  Thanks so much!  Sassymomma


Starting Score: 512
Current Score: 651
Goal Score: 700 Club


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4/2012 - EX: 512, TU: 527, EQ: 530
02/13: TU: 628 EQ: 678 EX: 632 (FAKO)
Get in the 700 Club in 2013
Moderator
Posts: 13,871
Registered: ‎04-15-2011
0

Re: Gardening??

Gardening is not applying for any new credit and taking good care of existing credit.  It refers quite a bit to revolving accts.



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
New Contributor
Posts: 93
Registered: ‎10-10-2012
0

Re: Gardening??

+ 1 on the above. I am gardening right now! Had major delinquencies in 2008 simce then have obtained 3 secured credit cards and 1 unsecured all with low limits. Am paying them on time, keeping the balances low, not applying for new credit, and trying to garden (grow) the existing credit limits by depositng more money to the secured cards when i can afford it, and managing the unsecured card responsibly enough so that they eventually give me a limit increase. 

Starting Scores: 9/19/2012 EQ 613 / TU 526 / EX 543

Current Scores: EQ 692 / TU 677 / EX 678 br>
Goal Scores: 700
Valued Member
Posts: 32
Registered: ‎05-05-2009
0

Re: Gardening??

Thanks everyone!


Starting Score: 512
Current Score: 651
Goal Score: 700 Club


Take the myFICO Fitness Challenge


4/2012 - EX: 512, TU: 527, EQ: 530
02/13: TU: 628 EQ: 678 EX: 632 (FAKO)
Get in the 700 Club in 2013
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