App frenzy

[Florida1990]

Well my current utilization was around 9% 647 tu 614 exuifax 623 experian I have a couple baddies that are to fall off by next year. 18 inquiries within the past two years most from two auto loans I was approved for.

[Florida1990]

was the home depot card easy to get? I have fico scores between 614 and 647.

[wacdenney]

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@Florida1990 wrote:

was the home depot card easy to get? I have fico scores between 614 and 647.

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It was easy for me to get, but then I have never gotten a denial from Citi.  They seem to love me for some reason.

[TheFate]

If you knew you had things already falling off in a year why didn't you just wait to apply after?

[Florida1990]

just happen to rush things not disappointed as I have enough right now i'm starting the seeding process now.

[TheFate]

I completely understand.. I have a few things falling off soon and I'm super tempted to go on an app spree but I just gotta fight the urge lol

[IamB2]

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@wacdenney wrote:

Congrats on the Discover!  They wont give me a card for anything, and I have no idea why.  Way to go!

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Same here - oh well. Congrats on your approval, OP!

[wacdenney]

I honestly do not remember for sure, but I think it was a generic sounding list.  The same sortof things that are always listed under "things that are hurting your score" on credit monitoring sites. 

I don't really blame them, I have opened many new accounts and have inquiries numbering in the low teens on all three reports.  It is a goal card for me, however.  I am looking to acquire the 5% gambit with Discover, Sallie Mae, Freedom, and Dividend.  I have Freedom and I will have Dividend in a few months when my intro APR on the Diamond Preffered runs out.  Barclay at least gave me a foot in the door, but Discover is denial after denial. 

I'm in the garden now out of necessity, but I will eventually come back around and try again.