Honestly that guy was probably trying to sell you on a shady credit repair service. Tbh I get the worst life advice from random dudes at gas stations, like how to invest in gold or cure a cold with vinegar. Ngl if someone offers you a magic fix for your credit score while you're pumping gas, just nod and get back in your car. Sounds like a great way to end up with a hard inquiry and no new card.

Wild garden look" sounds like my yard before I mow it.

What's a real resource? My own expensive mistakes.