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Found 7 results

  1. I need some advice from the Synchrony Bank CB mafia (you know who you are on here). I've been to use the correct credit terminology (gardening) come October 1st, 2015 39 months since I last did a credit application (I know I know don't have a panic attack on me credit app junkies...take a deep breath and blow into a paper bag). Those two apps were Wal-Mart and Amazon store card. In this entire time period, I have never (slaps himself in the face back and forth) asked for a CLI from either of these Synchrony backed cards (credit ignorance before I found CB and Myfico is expen
  2. MarvBear


    Just so I am up on all the latest. Like I know what B* means. Duh! What is "PC" when referencing credit cards?
  3. Around October 2nd, 2015 I'm going to call Synchrony's back door phone number and ask for my FIRST credit line increase in 39 months of having both the Wal-Mart and Amazon store cards. But I want to apply for a much needed Lowe's store card which is also backed as most of us know by Synchrony Bank. I will use it a ton next year and every year on building my mini-dream home (end of 2016) and a flipping business. Not to mention their huge credit limits that I need to help with my credit utilization rates. My question is should I apply online or call for the Lowe's card then immedia
  4. I have EX frozen but not TU or EQ because I used to be pretty good with the B*. I'm wondering how people approach freezes. I'm hoping to spree soon. Should I freeze and app on the phone, that way I know exactly what they're pulling because they ask for a pin? Or should I unfreeze and just know they're going to pull. How do you use freezes?
  5. I got in the mail today after 37 months of having a sad $400 CL (don't judge) with a Wal-Mart store card a letter saying in 65 days (unless I say no) I will be converted to a Wal-Mart MasterCard. My question is should I convert or not based on my current situation outlined below? My credit profile is as thin as a crack whore and I've been gardening for almost 7 years. I get out of credit jail next year when I will be 100% baddy free. As of 9/1/15... My Oldest Account: 11 Years, 8 Months My Average Age of Accounts (AAOA): 7 Years, 7 Months Transunion score around 70
  6. Ok I've been on here for a while, but I'm still a NEWBIE! I have done some searching and I still do not understand the term credit gardening or in the garden. Can someone please help me to understand. My scores on Credit Check Total are Eq 567, TU 568, and Exp 575. My CK TU is 590, all of these were before I paid my cc down to 9% utilization. At the time these scores were captured my utlization was 103% for one card 101%. ( I know I messed up!) My overall utilizaton was about 60%. So I'm sure that my scores have gone up since I've had such a reduction in utilization. I have 5 active lines of c
  7. Ok it has been a busy year, and honestly a good one for mt credit. I have learned that high utilization equals bad scores, and low CL. So in the first half of 2013 I have paid down my utilization to around 10% which increased my scores by 90 points as well as..... bought a new home for $295K in May Re-opened an Amex green that is backdated to 1996 Opened in Feb Opened a Discover IT in Feb $1200 CL Opened in Feb Chase Marriott $7K CL Opened in May Chase United $5K CL Opened in June Amex Hilton Honors - Unsure what CL is yet, just did this one today actually wanted the Citi HH but
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