Gardening, this is awful

[Caught750]

I've been gardening for about 3 weeks now and wow it horrible.

I know I need to as my oldest card is 6 months old and my newest is like 3 weeks old. I also know that in 6 months or so I'll have much better scores, older accounts, new credit won't be as bad, inquiries will fall off, and approvals will come with higher starting limits.

Like I said I know it's very important given that I'm new to this and my score is still rebounding from more than just the new credit. Something about apps and approvals was super exciting though. In the garden till July at least and hoping to get my excitement through others on here.

I'll be holding on to the end goal of getting in with Chase on something (CSP or CSR) and/or adding another Amex or two. If charge accounts count towards 5/24 then Chase will hafta wait I suppose.

[AverageJoesCredit]

You're in the wrong garden

[Caught750]

Hows that average Joe? Thread doesn't belong here?

[Caught750]

Agreed, fiscal habits have been pretty sound for some time, a very isolated incident that I've made sure can't happen again was the cause of my few issues.

The gym is a constant for me. My most recent venture is furthering knowledge has been through here. A language might be good...

[DaveInAZ]

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@Caught750wrote:
Hows that average Joe? Thread doesn't belong here?

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I think it's fine here. I think average Joe meant that if you don't enjoy being in the garden, you are in the wrong garden.

Yeah, I feel your pain, it's much more app'ing & getting new cards then waiting patiently for those stupid little seedlings to grow.

But with your short rebuilder credit history & new accounts, you should take a breather for awhile. Rebuilding credit is a marathon, not a sprint.

[Caught750]

Absolutely and I've made some pretty big strides with 2 Amex accounts and a Discover account. It's early in the CC game for me and having a few accounts with age as positive trade lines will certainly open more doors. Especially with Amex and Disco letting me in.

I'm not in a hurry but it's definitely a little rush when ya hit the button. That's what I miss a little. I'm enjoying the new cards and I'll hit the PRG SUB soon. I'm happy to watch things grow.

I'm sure my scores will grow past where they started as well. All in all I'm content, missing looking and seeing new pre approvals, apps and approvals. It was fun.

[Anonymous]

Scores are pretty good, so just focus on payments and in time they will grow.

while in the garden, set some goals  (such as 700 score) and possibly start making  a list of cards for the future,

but the list should include dates or milestones i.e. 12 mo from last inq.

disc is great for button CLI but might need some time until that is available

good luck

[Anonymous]

After one or even two months of being in the garden for me has been amazing and it will be for you too... My score has been going up and I'm less focused on short term app spree's and more focused on long term credit history.

[Anonymous]

I feel your pain. I gardened for six months and it was hard. After four months I started to go for CLI's. They became my fix. You might try doing the same in a few weeks. It worked for me. Now I'm back in the garden and I've set CLI dates for the future while I garden again for the next six or seven months.

[Caught750]

Absolutely, it was pitiful but I squeezed $100 outta Cap1 pre steps increase. Steps is coming soon on another card. I have Disco to hit up in about a month and a half and I'm still debating how to play it out with Amex.