Approved For Multiples. Rebuild.

[Doubleimonster]

Some may have seen my other post but I'm in the rebuilding stage. Finally got my last two card approvals before gardening. Recently approved for Skyla CU secured Visa $1000 and US Bank Secured Go for $300. 

Current cards list are now as follows.

Aspire $350 (March 24)

Capital One Quick Silver One $300 (I burned them so I dont think it will grow to be honest) (December 24)

Credit One $300 (December 24)

Bright Way $300 (October 25)

Imagine $500 (October 25)

Skyla Secured Platinum $1000 (December 25)

US Bank Secured Altitude Go $300 (December 25)

I did the Secured cards to build relationships with those vendors as they have cards and or interest rates for products I want. Like refinancing my car, etc.

Im in the garden now for a year or 2, for the secured cards to unsecured and my Amex balance paid to get the Optima Card (Jan 2028). Though I can't honestly say if I get a really good preapproval offer I wouldn't take it. Like US Bank Altitude Go Connect.

You all helped me in the past get right, so using the same tactics I did first go round with updated advice of course.

Thank you for everything. 

[JoeRockhead]

Congratulations on your approvals and best of luck with your gardening.

[username2840]

Nice start on your rebuild and congrats 

[Jessie]

So what is this "gardening"? It's probably super obvious. Sorry for asking. 

[Doubleimonster]

---

@Jessie wrote:

So what is this "gardening"? It's probably super obvious. Sorry for asking. 

---

Take time and let your score grow. Don't apply for new credit

[BrutalBodyShots]

Just my opinion here, but several of the cards you mentioned are from inferior/predatory issuers (that likely have fees) that aren't necessary. No one needs to spend a penny to build or rebuild credit. You have multiple cards from reputable issuers in Capital One and US Bank. Dumping any inferior products would be my recommendation. You aren't going to "rebuild" any better by keeping those products around, and chances are they are costing you money by doing so.

[Doubleimonster]

Those are cards I got prior to us bank, skyla etc. These are doing great. I plan on dropping them all before annual fee hits, unless i can get them waived which in the past worked. Calling threatening to close and get it waived for 1 year, then close it after that waived fee runs its course. That way I add a bunch of extra positive payments. Just like the secured cards if I get regular cards with skyla and US Bank, then im dropping the secured cards if they dont graduate. 

[BrutalBodyShots]

---

@Doubleimonster wrote:

That way I add a bunch of extra positive payments. 

---

Just a FYI, number or percentage of on time payments isn't a FICO scoring factor. It's a made up metric by Credit Karma that manipulates people into opening new accounts through their site, which of course equates to financial gain on their end. The only thing that matters is that an account is maintained "paid as agreed" over time. The actual act of making payments doesn't do anything to build credit. It's true that missing payments hurts, but making them doesn't do anything beyond if the account sat at $0 balance and didn't need to be paid. Think if it like how blowing out a tire will slow your car down, but not blowing out a tire won't somehow speed your car up.

[Dcowboy08]

Gratz on the cards. It will take some time to fully rebound, but when it does, you'll be very happy with the better options. Gardening takes a lot of self control. You can do this.