Hello Everyone,
First I would like to thank everyone as I have been in the shadows reading all over the site getting all the info I could. and I learned a lot and raised my scores by 60 points in 4 months. I'm sitting at 665 experian , 666 Equifax, and 667 on the tru . started at high 500s to low 600s.
so here is how it all started. I was young and messed my credit up fast. stuff started falling off and I didn't even know it till one day I decided I am wasting money renting. I want to buy a house.
so I found this place and started working hard in disputes and establishing trade lines with a not so great score. I started with a 1k sec card from capt 1. then they gave me a unsecured one with 500cl . after first statement my numbers jumped a good bit . I still have 2 charge off for car loans. both satisfied and 2 judgments both satisfied one in 09 other one is older.
after I saw the score jump I went on a app spree to get more trade lines. after many trys and 7 day waits I end with 10 trade lines total. all low limits. I am in what you all call gardening mode and my question in what is the best way to get cli fast. I have
Wal mart 250
Jcp. 150
Amazon. 600
Kays. 500
vict. secret 350
finger hut. 700
the other cards are capt one and I know how they are about cli from what I read on here.
So my main question is how should I use card to get big cli. do I charge and pay off a lot. like charge something ounce a week and pay off on Friday and only let my bill be 50 dollars ounce they send invoice or how should I do this. all help is great and I thank you all. first post so hope I didn't do this wrong .
thanks
I'm mobile.