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The Master Farming Support Thread

JayB27

By JayB27
in Credit Forum

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The last post in this topic was posted 3144 days ago. 

 

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JayB27

JayB27

Posted
Posted

There are all the success stories about new cards, with huge limits. Which is great and the reason we are here.

 

But how about those of you who really take pride in your ability to Garden.

 

I know I can't do it very well, but interested in those who can. I am interested in finding out what it takes to get near 850.

 

What types of AAOA and other factors it takes for the strong profiles sought after here on CB.

 

You should be proud of your willpower, and this is a thread to boast about that.

 

In the interest of science...What built your profile the way it is today?


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ubercat

ubercat

Posted
Posted

US Bank and Navy Federal are making it really difficult to garden. I'm getting pre-approvals left and right. My US Bank rep called me today to see how I was doing.

 

I do plan on gardening until May or June. Six months is a cake walk.

mendelssohn

mendelssohn

Posted
Posted

What is a solid AAOA?

 

Is it conceivably possible to have 30-40+ years AAOA?

Of course it's possible, but FICO isn't going to give you extra points beyond a limit.

 

IIRC BW posted that his scores were less sensitive to the number of cards with balances once he hit 10 years.

mizliz1011

mizliz1011

Posted
Posted

US Bank and Navy Federal are making it really difficult to garden. I'm getting pre-approvals left and right. My US Bank rep called me today to see how I was doing.

 

I do plan on gardening until May or June. Six months is a cake walk.

I get nothing but rejection from Navy. Tried for a CLI today, tons of PIF several times a month, have a ton of cash in MMA and savings, and a secured card with all PIF before payment date. My nave is only a month and a half old but I have run several times my measy CL of $5K through it. Am I just possibly too impatient? it is my smallest line. My Eq is 711 on the '08(754 on '04) and no HI...all B* obviously. Not feeling love. they told me they want 6 months for a CLI... I am dismayed.

JayB27

JayB27

Posted
  • Author
Posted

It would be very useful to see the types of score changes as one goes through building a profile.

 

It may have been done already.

 

But if nothing else I'll track my own score changes with the addition of age.

mendelssohn

mendelssohn

Posted
Posted

...he also suggested that you can't stay in the 800 club without a 10+ year AAOA.

I don't remember seeing that. :dntknw:

 

I think your oldest account needs to be 10+ years old to hit 800, with max FICO points for oldest account at 19-20 years.

 

There are a lot of people here with stable 800+ scores with an AAOA much lower than 10 years.

ubercat

ubercat

Posted
Posted

 

...he also suggested that you can't stay in the 800 club without a 10+ year AAOA.

I think your oldest account needs to be 10+ years old to hit 800, with max FICO points for oldest account at 19-20 years.

 

Sorry guys. Mendel is right, per usual.

 

I'm not on point today.

Konrad2012

Konrad2012

Posted
Posted

Am I just possibly too impatient?.

 

they told me they want 6 months for a CLI

 

nave is only a month and a half old

 

.

Tried for a CLI today,

 

 

Possibly Principessa, quite possibly

 

 

...he also suggested that you can't stay in the 800 club without a 10+ year AAOA.

I think your oldest account needs to be 10+ years old to hit 800, with max FICO points for oldest account at 19-20 years.

 

Sorry guys. Mendel is right, per usual.

 

I'm not on point today.

 

 

Bob's graphs are your friend... :P

BobWang

BobWang

Posted
Posted

I might have suggested that one cannot hit 850

 

without a 10-yr AAOA.

 

I was almost always above 800 in the last 10 years that I was paying attention,

 

and my AAOA didn't hit 10 till this year.

 

Android01 hit 850 on all 3 with an AAOA of 12 years.

Konrad2012

Konrad2012

Posted
Posted

Sorry guys. Mendel is right, per usual.

 

I'm on point today.

 

 

Hey Uber, I saw a blog somewhere about a way for you to get Star Alliance Gold for life. And with a foreign carrier so you can use United Clubs for domestic flights. It involved a RT First Class flight from Seattle to NYC on United for $700. If you are interested I will send you the link

JayB27

JayB27

Posted
  • Author
Posted

Bob Wang, I want to personally thank you for all your years of studies involving credit.

 

It is greatly appreciated and all of us are in a better place because of the work you have put in for us.

 

I know starting a Master Thread is your thing, and this is not meant as an imposter. I hope you take no offense to it.

 

It is simply to put some work in myself.

 

Thank you sir.

Konrad2012

Konrad2012

Posted
Posted (edited)

There are all the success stories about new cards, with huge limits. Which is great and the reason we are here.

 

But how about those of you who really take pride in your ability to Garden.

 

I know I can't do it very well,

 

Gardening is tough when you are starting out. It tests me everyday. I have my scores decent now (relatively, I had EX at 580 in Aug and 700 today), with a 6 yr old 120 day late on a mortgage reporting.

 

Bob's graphs keep me grounded. The graphs tell me when that late falls off, combined with my new TL's aging, my scores are going to skyrocket. The graphs and credit pulls also tell me that the difference in limits granted etc between a low 700 score and a mid-to-high 700 score are marked.

 

So I have to balance things. Do I go for new cards and sign up bonuses now and get stuck with crappy initial limits? Or do I wait until Sept/Oct of 2015 with clean reports, no inqs on TU and EX and only 3 on EX and shoot for the stars?

Edited by Konrad2012
JayB27

JayB27

Posted
  • Author
Posted

As a data point, does anyone recall how young their AAOA was when they surpassed 800?

 

Since I am above 700, that is my next goal.

 

I know other things factor in, but AAOA intrigues me the most.

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