Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
mrjuggalo9er

4 Contributions
8 People Helped
gerdening club on credit karma?
Just to explain what gardening is....after you receive certain cards (Barclay, Chase, whatever cards you applied for) it is best to let your credit report cool off for a bit while maintaining low utilization. The reason for this is so that the creditor does not get see a bunch of inquiries after they have granted you credit and so that your score can improve as much as possible from those cards. A quick search on Google will reveal that companies like Barclay are extremely sensitive to inquiries and new credit after an account is newly opened with them. For this reason gardening is extremely important to credit........My history of gardening is as follows. bankruptcy discharged November 2011, obtained capitol one secured (300) same month fico score of 557, November 2012 obtained capitol one platinum (500) and car loan(17,000), credit score 618. this month obtained Barclay rewards card 1300 limit reconed to 2700 fico 705. I will apply for nothing for a minimum of 6 months.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.