02-15-2014 04:25 AM
I need some help i want to go to gardening until 04/25/2016 i have a Fico score of 615 i just went on an app binge . If you look at my signature it shows cards i have established . Can someone tell me how to garden these accounts without hardpulls . I have 3 baddies that will fall off by time im out of gardening then time to hopefully buy my house any help or secrets would greatly be appreciated thanks .
02-15-2014 08:50 AM
02-15-2014 09:46 AM
Cant you get credit limit increases without HP thats what im asking how to do , or can you not do that in garden . Im new here and at this credit stuff sorry.
02-15-2014 10:50 AM
Yes you can SP CLI and still be in the garden. HOWEVER you should be 100% certain that it will be a SP, Citibank and Discover will tell you before hand online if it will. It'll say something like this check will not affect your credit. Looking at your sig those cards are most DEFINATLY hard pulls.
02-15-2014 10:52 AM
So basically do nothing but wait on auto increases?
02-15-2014 11:05 AM
Thats up too you, If it were me, and I was in your position I'd garden for 6-12 months then app for a "prime cards" (discover, amex, chase). The cards you have reallly wont grow with you, but everyone starts somewhere. My 2cents.
02-15-2014 11:21 AM
Yes but my 3 derogs will still be there and my inquires , unless they dont catre about those .
02-15-2014 11:31 AM
Have you attempted to remove your baddies? That would help more than adding more credit lines or limits I would think.
02-15-2014 11:43 AM
i have paid them off but will not falloff one is 6 years old then tax liens at 9 nyears old .
02-15-2014 11:47 AM
Did you try goodwilling them? Can't hurt anyway!