topic Re: I need some help please ........ in Rebuilding Your Credit

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

Anonymous — Sat, 15 Feb 2014 12:25:18 GMT

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 .

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

Anonymous — Sat, 15 Feb 2014 16:50:41 GMT

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.

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

Anonymous — Sat, 15 Feb 2014 17:46:32 GMT

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.

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

blondy250 — Sat, 15 Feb 2014 18:50:24 GMT

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.

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

Anonymous — Sat, 15 Feb 2014 18:52:33 GMT

So basically do nothing but wait on auto increases?

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

blondy250 — Sat, 15 Feb 2014 19:05:24 GMT

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.

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

Anonymous — Sat, 15 Feb 2014 19:21:55 GMT

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

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

SSPA87 — Sat, 15 Feb 2014 19:31:26 GMT

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

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

Anonymous — Sat, 15 Feb 2014 19:43:59 GMT

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

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

SSPA87 — Sat, 15 Feb 2014 19:47:40 GMT

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

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

gdale6 — Sat, 15 Feb 2014 20:19:15 GMT

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

As far as SP CLIs I know Walmart & Amazon are ok they are issued by GECRB. On the tax liens if they are federal you can apply to have them withdrawn if paid in full (there is a form for it), if they are state goto the taxing authorities website and see if they have a form to withdraw the liens if not call them and ask how to file a lien withdrawl, not all states allow it but its worth the shot

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

Anonymous — Sun, 16 Feb 2014 17:30:09 GMT

I had some tax specialist help me with my taxes they said i was current and didnt owe the irs after filing my taxes so im not sure how the form works for that.