Joining the garden!!!!

[arrazola_a]

I went on a small spree 

Best Buy RZMC = Aprroved for 500

Credit One = Approved for 300

Wal-Mart = Approved for 150

Shell MC = Approved for 300

Discover IT = Denied

Barclays = Denied

Local CU = Denied

I just realised that is a lot of inq's. Very small limits but we all have to start somewhere i guess. Hopefully i can garden for at least 6 months and have my scores go up.

[notfancy]

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@arrazola_a wrote:

I went on a small spree 

Best Buy RZMC = Aprroved for 500

Credit One = Approved for 300

Wal-Mart = Approved for 150

Shell MC = Approved for 300

Discover IT = Denied

Barclays = Denied

Local CU = Denied

I just realised that is a lot of inq's. Very small limits but we all have to start somewhere i guess. Hopefully i can garden for at least 6 months and have my scores go up.

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Congratulations! Glad to hear you'll be joining us in the garden! I hope we can help you stay strong, avoid apping, and grow your accounts into bigger, and better tradelines! Gardening will definitely help you. While you're doing that, perhaps you can also address any other issues that might be on your report? With the denials and small limits, I'm guessing you're either new to credit, or perhaps you have some items on it that you may need to correct? I hope we can help!

[-NewGuy-]

Hooray! Join the garden club. Plenty of good advice in there and supportive people.

[baller4life]

Congrats on cards. Definitely garden time! No more apps. Save your inqs!

[arrazola_a]

Opened my first credit card with capitol one back in June of 2012. Only baddies on my account is a 30 day late in Oct 2012. The cap1 is the only one I had untill my spree

[arrazola_a]

Also no auto loans or past mortgages. aaoa is 1 yr . my income is about 40k yr. I will be 20 in June so pretty young. I'm glad I found this forum as soon as I did. You all saved me!!

[notfancy]

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@arrazola_a wrote:
Also no auto loans or past mortgages. aaoa is 1 yr . my income is about 40k yr. I will be 20 in June so pretty young. I'm glad I found this forum as soon as I did. You all saved me!!

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That is wonderful! Many of us wish we could be where you are now and start over. You have the chance to go forward and not make the mistakes we did. I sincerely hope that we can help  you!

[arrazola_a]

I hope I can only go up from here !! How much does the 30 day affect me now ?

[notfancy]

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@arrazola_a wrote:
I hope I can only go up from here !! How much does the 30 day affect me now ?

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I hope so as well.

I can't answer your question, because I don't know the answer. It seems different for every person in every situation, so I couldn't even hazard a ball park guess.

[arrazola_a]

Thanks for the thought!