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Hello All! This is my first post, however I have been reading these forums for years. I wanted to say thanks to everyone who contributes as I have been rebuilding my credit for the past couple years. All of your knowledge has helped me raise my scores and I just last night went on my first app spree. I was 4 for 5!
First off my scores before app spree
Exp- 705
Trans-715
Exp-675
I applied for 5 cards
Chase Freedom- Approved 1000
Amex BCE- Approved 1000
Discover IT-Approved 2500
Citi DC- Approved 1200
BofA- Denied- 6yr. old charge off
My profile is pretty clean however I am new to credit and my AAoA is young and will now get newer unfortunately. I did alot of research and found some really good cards- My income is not that high 35,000. I still wish the limits were higher, but I plan on gardening for the next year and see what growth I can get.
My score after inquiries are
Eq- 698
Trans- 708
Ex-650- 4 inquiries here
I'm wondering how adding 4 new CC's will effect my score. Anyway, thanks so much for all the help in these forums.
Yeah, I'm happy with the cards- in the garden for at least 10 Months- I have plans to buy a house. We will see how these things grow.
Thanks! I've heard of people getting lucky requesting 3x with Amex at activation- I figure I would give it a go- doesn't hurt.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
@Anonymous wrote:Thanks! I've heard of people getting lucky requesting 3x with Amex at activation- I figure I would give it a go- doesn't hurt.
I barely got in with a 1k SL with the Amex BCE as well and same EXP as yours - denied at activation. have to wait 91 days after denial. Might as well just wait until 61. YMMV and good luck Congrats on app spree!
congrats
Congrats!
@Anonymous wrote:
@Anonymous wrote:Thanks! I've heard of people getting lucky requesting 3x with Amex at activation- I figure I would give it a go- doesn't hurt.
I barely got in with a 1k SL with the Amex BCE as well and same EXP as yours - denied at activation. have to wait 91 days after denial. Might as well just wait until 61. YMMV and good luck Congrats on app spree!
Did you get a letter stating you have to wait 91 days after denial? Others are not getting that at all. I wonder if it has to do with a score or income...