Valued Contributor
Posts: 2,185
Registered: ‎07-23-2012
Re: Pruning the Garden

you garden by 

A: not applying for anything 

B: Letting your new and old cards grow.(in age and cl (without hard pulls for cli))

C. When people usually do app sprees all the inquries fall off at the same time so they set a date to garden until that date or somewhere around there. 


if you haven't used the cap1 in 6 months though id use it to buy a pack of gum or something. 


like stated. if there is no annual fee keep it. its a line that reports. obviously if you have 10k+ lines and 1 500 there is clearly something wrong with that picture. 

once you close an account in good standing it reports positive for 10 years after the fact before it drops off from your reports. 

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months

2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000