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Seedling Starts Now

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Seedling Starts Now

I am new to rebuilding my credit. I just read a post about gardening. I am convienced that this is my season to garden until September. I wonder how much will my credit improve during my garden phase. I will be paying off a repossesion (which is the last late payment left on my report) as well as staying on track with my new cc's. 

Starting Score: 456
Current Score: 675
Goal Score: 705


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35 Inq
Repossession-currently on payment plan $150/mo
New car note-$550/mo
Self Lender-$45/mo (1 late payment June 2018)
Merick Bank-closed 0 balance (settled)
Indigo cc-$300SL
Capitol One Quicksilver-$500SL

Student Loans-$5,000 interest (deferred)




















Message 1 of 4
3 REPLIES 3
Super Contributor

Re: Seedling Starts Now

Need some stats. How many cards. CL's and balances. Paying off the charge off will help. How many lates. 30,60,90? Go from there. Welcome to the forum.





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 2 of 4
New Contributor

Re: Seedling Starts Now

Somewhat unrelated but you will probably get a CLI from Capital One if you pay in full your first 6 months. So once Sept comes you will probably be at a $500 or more CL on that card. Best of luck to you on your journey!

Message 3 of 4
Super Contributor

Re: Seedling Starts Now

I responded to your other thread similar topic. https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/In-need-of-store-cards/m-p/5521949#M582166





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 4 of 4
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