APP FREE

[AvaMommy]

Hey Gang,

I've been APP FREE a little over 2 months now...Should I remain in gardening phase or take a look at 1 app. I am thinking (key word "THINKING") of apping for BB CC. Any advice is appreciated!

Current UTL is 28%

[dodgerslv]

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@AvaMommy wrote:

Hey Gang,

I've been APP FREE a little over 2 months now...Should I remain in gardening phase or take a look at 1 app. I am thinking (key word "THINKING") of apping for BB CC. Any advice is appreciated!

Current UTL is 28%

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i would say wait at least one more month....6-12 months is recommended but i suggest wait at least 3 (if you can of course). You probably wanna look at your credit report and see how many total inquiries you had in the past 6 months prior to your last application.

[AvaMommy]

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@dodgerslv wrote:

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@AvaMommy wrote:

Hey Gang,

I've been APP FREE a little over 2 months now...Should I remain in gardening phase or take a look at 1 app. I am thinking (key word "THINKING") of apping for BB CC. Any advice is appreciated!

Current UTL is 28%

---

i would say wait at least one more month....6-12 months is recommended but i suggest wait at least 3 (if you can of course). You probably wanna look at your credit report and see how many total inquiries you had in the past 6 months prior to your last application.

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Thanks dodgerslv...I have 10 from my last (back to Jan 2011); however, out of those 10...5 are mortgage shopping on different months

[dodgerslv]

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@AvaMommy wrote:

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@dodgerslv wrote:

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@AvaMommy wrote:

Hey Gang,

I've been APP FREE a little over 2 months now...Should I remain in gardening phase or take a look at 1 app. I am thinking (key word "THINKING") of apping for BB CC. Any advice is appreciated!

Current UTL is 28%

---

i would say wait at least one more month....6-12 months is recommended but i suggest wait at least 3 (if you can of course). You probably wanna look at your credit report and see how many total inquiries you had in the past 6 months prior to your last application.

---

Thanks dodgerslv...I have 10 from my last (back to Jan 2011); however, out of those 10...5 are mortgage shopping on different months

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Well you can always explain that if they deny you (recon)...but if you can, wait at least one more month....

[Hightechredneck]

Stay in the garden as long as you can! I have the itch bad but I'm going to wait a while.

[armbenderc]

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@AvaMommy wrote:

Hey Gang,

I've been APP FREE a little over 2 months now...Should I remain in gardening phase or take a look at 1 app. I am thinking (key word "THINKING") of apping for BB CC. Any advice is appreciated!

Current UTL is 28%

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It's hard for me as well, but the end result will be worth it.

[AvaMommy]

OK! I hope I can wait! I feel like I'm in AA....lol

Coming here sure soothes the itch at times