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I need some help please ........

Member

I need some help please ........

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 .

Wells Fargo secured card $1100.00 , Cap1 $1800.00, NFCU Secured $ 500.00 , NFCU Nav Check $3000.00, NFCU cashrewards $1000.00, NFCU Platinum $1000.00, US Bank $300.00, First Premier $300.00, BOA Secured $300.00, Kay Jewelers $400.00, Macys $300.00, Walmart $400.00, Fingerhut $500.00, Amazon $400.00 , Babcock Furniture $500.00 In garden till 04/25/2016

Starting Score: 549
Current Score: 618
Goal Score: 720


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Message 1 of 12
11 REPLIES
Epic Contributor

Re: I need some help please ........

Gardening means letting the accounts you have age and not applying for anything else for a period of time.

 

Not sure what you mean by garden the accounts without HPs.

Message 2 of 12
Member

Re: I need some help please ........

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.

Wells Fargo secured card $1100.00 , Cap1 $1800.00, NFCU Secured $ 500.00 , NFCU Nav Check $3000.00, NFCU cashrewards $1000.00, NFCU Platinum $1000.00, US Bank $300.00, First Premier $300.00, BOA Secured $300.00, Kay Jewelers $400.00, Macys $300.00, Walmart $400.00, Fingerhut $500.00, Amazon $400.00 , Babcock Furniture $500.00 In garden till 04/25/2016

Starting Score: 549
Current Score: 618
Goal Score: 720


Take the myFICO Fitness Challenge
Message 3 of 12
Established Contributor

Re: I need some help please ........

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.

Fico 8 11/8/16
Equifax 836, TransUnion 836 12/30/16 , Experian 842 1/11/17 . AAOA 12 years Oldest 20
No inquires since 2014
All credit reports frozen
Fico 8 Equifax Bankcard 866 12/27/16
Message 4 of 12
Member

Re: I need some help please ........

So basically do nothing but wait on auto increases?

Wells Fargo secured card $1100.00 , Cap1 $1800.00, NFCU Secured $ 500.00 , NFCU Nav Check $3000.00, NFCU cashrewards $1000.00, NFCU Platinum $1000.00, US Bank $300.00, First Premier $300.00, BOA Secured $300.00, Kay Jewelers $400.00, Macys $300.00, Walmart $400.00, Fingerhut $500.00, Amazon $400.00 , Babcock Furniture $500.00 In garden till 04/25/2016

Starting Score: 549
Current Score: 618
Goal Score: 720


Take the myFICO Fitness Challenge
Message 5 of 12
Established Contributor

Re: I need some help please ........

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.

Fico 8 11/8/16
Equifax 836, TransUnion 836 12/30/16 , Experian 842 1/11/17 . AAOA 12 years Oldest 20
No inquires since 2014
All credit reports frozen
Fico 8 Equifax Bankcard 866 12/27/16
Message 6 of 12
Member

Re: I need some help please ........

Yes but my 3 derogs will still be there and my inquires , unless they dont catre about those .

Wells Fargo secured card $1100.00 , Cap1 $1800.00, NFCU Secured $ 500.00 , NFCU Nav Check $3000.00, NFCU cashrewards $1000.00, NFCU Platinum $1000.00, US Bank $300.00, First Premier $300.00, BOA Secured $300.00, Kay Jewelers $400.00, Macys $300.00, Walmart $400.00, Fingerhut $500.00, Amazon $400.00 , Babcock Furniture $500.00 In garden till 04/25/2016

Starting Score: 549
Current Score: 618
Goal Score: 720


Take the myFICO Fitness Challenge
Message 7 of 12
Regular Contributor

Re: I need some help please ........

Have you attempted to remove your baddies?  That would help more than adding more credit lines or limits I would think. 

Starting Scores: EQ (MyFico): 561 TU (MyFico): 579 - 2/15/13
Rebuilding Scores: EQ (MyFico): 597 (6/11/13) TU (MyFico): 606 (6/12/13)
Current Scores: EQ : 665 TU : 649 EX : 704

Cards: SDFCU $250 | Cap1 Secured $750 | Victorias Secret $500 | Amex BCE $4k | Chase FU $2k | Cap1 QS $1k | PenFed Promise $3.5k | Wayfair $1k | Care Credit $1k
Message 8 of 12
Member

Re: I need some help please ........

i have paid them off but will not falloff one is 6 years old then tax liens at 9 nyears old .

Wells Fargo secured card $1100.00 , Cap1 $1800.00, NFCU Secured $ 500.00 , NFCU Nav Check $3000.00, NFCU cashrewards $1000.00, NFCU Platinum $1000.00, US Bank $300.00, First Premier $300.00, BOA Secured $300.00, Kay Jewelers $400.00, Macys $300.00, Walmart $400.00, Fingerhut $500.00, Amazon $400.00 , Babcock Furniture $500.00 In garden till 04/25/2016

Starting Score: 549
Current Score: 618
Goal Score: 720


Take the myFICO Fitness Challenge
Message 9 of 12
Regular Contributor

Re: I need some help please ........

Did you try goodwilling them?  Can't hurt anyway!

Starting Scores: EQ (MyFico): 561 TU (MyFico): 579 - 2/15/13
Rebuilding Scores: EQ (MyFico): 597 (6/11/13) TU (MyFico): 606 (6/12/13)
Current Scores: EQ : 665 TU : 649 EX : 704

Cards: SDFCU $250 | Cap1 Secured $750 | Victorias Secret $500 | Amex BCE $4k | Chase FU $2k | Cap1 QS $1k | PenFed Promise $3.5k | Wayfair $1k | Care Credit $1k
Message 10 of 12