Gardening/Thin File?

[AllZero]

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@Anonymous wrote:
I try, it’s just great that we’ve got wonderful members and we’ve got teamwork at play! Together, we are able to help a lot of people!

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I whole heartily agree. One member at a time.

[Anonymous]

There are derogatories on the closed account.  The open account is at 0, but I've only had it 1 payment cycle,  so I wouldn't know if there is a 0 balance penalty. My scores have only gone up since I got it though.

[Anonymous]

ok, record scores now while its reporting $0. When you report a small balance this coming cycle, see if you get an increase or decrease!