I've read several threads that mentioned gardening for your credit cards. I've decided to do this. My last hard pull was 4/20 and I'm going to do this for six months to give my new NFCU account time to age and register on my report. Do you think 6 months is enough time or should I do it longer?
Different folks garden for different things. I am there to let accounts age and bad stuff drop off. I'm quite happy with my credit mix right now but wanting to get a good AF Amex card down the road. I'll step out then and jump back in until its time to buy a house. Come on over and talk to the experts there. Just don't mention the app word lol
@Sandman771 wrote:Different folks garden for different things. I am there to let accounts age and bad stuff drop off. I'm quite happy with my credit mix right now but wanting to get a good AF Amex card down the road. I'll step out then and jump back in until its time to buy a house. Come on over and talk to the experts there. Just don't mention the app word lol
Thanks. That's a good point you made. I have some accounts that I've paid off but have negative marks set to drop off in 2022 and 2023. Nothing else negative on my report. I have what I believe to be a good credit mix also (no store cards though- should I have this?). I have a mortgage, some student loans, an auto loan and two credit cards (utilization is about 4% using AZEO). Maybe I should garden until the negative remarks fall off. I'm sure that'll really help my scores increase.
Hmm.. not sure I would consider my file healthy yet - I'm getting there though. So maybe I do need to go longer than six months. Couldn't hurt, right?
@bdebtfree215 wrote:
@Sandman771 wrote:Different folks garden for different things. I am there to let accounts age and bad stuff drop off. I'm quite happy with my credit mix right now but wanting to get a good AF Amex card down the road. I'll step out then and jump back in until its time to buy a house. Come on over and talk to the experts there. Just don't mention the app word lol
Thanks. That's a good point you made. I have some accounts that I've paid off but have negative marks set to drop off in 2022 and 2023. Nothing else negative on my report. I have what I believe to be a good credit mix also (no store cards though- should I have this?). I have a mortgage, some student loans, an auto loan and two credit cards (utilization is about 4% using AZEO). Maybe I should garden until the negative remarks fall off. I'm sure that'll really help my scores increase.
If you were to wait until no negative marks are on your file at all you'll be shocked at what type of app spree you could go on. I should have all my bad stuff off after January, so I'm hoping I can snag my card I want and then I'll be golden just grow these NFCU cards
Yeah you're right. I'm going to do that. I've always wanted a credit card that offers airline miles. I need to do some research to see what I need my scores to be to qualify for one of those types of cards. I wish I would have been this aware of my credit in the past. So many mistakes could have been avoided. I'm addicted now though.
It is a good habit to have I think especially when you are making this journey. now some of these guys and gals with 100's of thousands of dollars in credit cards they did alright. I'm just trying to get to $100K eventually. And I am trying to hotel points I think instead of airline miles. Plus it also depends on what airline services your local airport. We just got Southwest here.
When you say “thick rebuild” what does that mean? I’m still new to the credit lingo on the forum.