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.
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.
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!
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