cancel
Showing results for 
Search instead for 
Did you mean: 

Gardening??

Valued Member

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


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
Message 1 of 4
3 REPLIES
Moderator Emeritus

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+
Take the myFICO Fitness Challenge

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 4
New Contributor

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 716 TU 724 EX 724 Goal Scores: 700
Message 3 of 4
Valued Member

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
Message 4 of 4