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Frequent Contributor


What was the longest time gardening your credit. 6 months was maximum for me, how about you. 

Message 1 of 11
Established Contributor

Re: Gardening

I don't think I've went over 6 months.

Message 2 of 11
Super Contributor

Re: Gardening

I've made it one year... twice!



06/01/24 Fico 8: EX 763, EQ 808, TU 783.
Fico 9: EX 768 05/13/24, EQ 787 05/04/24, TU No idea.

Zero percent financing is where the devil lives...
Message 3 of 11
Valued Contributor

Re: Gardening

Little over 4 years was max.

Another was 3+ years.

Currently at 1 year 11 months from  AOD


Message 4 of 11
Regular Contributor

Re: Gardening

Made five years.

Message 5 of 11
Senior Contributor

Re: Gardening

When I couldn't get any credit I want about 5 years.  


When I was actively gardening I just lost my steak at 1 yr 4 months. 

FICO 8 Starting Score

Current Scores

Garden Goal is All Reports Clean – Achieved 11/26/20
Message 6 of 11
Community Leader
Super Contributor

Re: Gardening

I recently snapped a 20 month gardening streak!

Current Cards (in order of approval):

Current FICO 8 | 9 (June 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 7 of 11
Established Contributor

Re: Gardening

I got to 13 months before I harvested some fruit last week, now I'm back in for another year.
I may repeat the 1 year cycle again too.

Back to gardening until Late February 2025.
Current FICO8:
Message 8 of 11
Frequent Contributor

Re: Gardening

Almost six years. 


The whole time I had my eyes on the Citi Double Cash and Hotel cards Smiley LOL


Now I'm at like six or seven months...


AoA is almost at eight years though. So I'm getting closer and closer to making that thing dark green on my reports hahaha

Cap1 Quicksilver || Amex BCP || Discover IT || Chase FU || BofA Travel || FNB Omaha Platinum Visa
Message 9 of 11
Established Member

Re: Gardening

This year made 6 years and then I did some apps. Got approved for AMEX platinum, NFCU $25k, CITI double cash $3,500, CAP1 venture (second tier) $3000 and AMEX platinum. 

Message 10 of 11
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