App Spree Results Since Mortgage

[MrChairman]

8/1: Called Discover for CLI. Asked for $8k increase but was granted 5k. Total limit is $8k now.

Citi: Denied online. Attempted recon and still denied.

Best Buy: Applied online was only granted $600. I already had an account through Best Buy with the max limit of $600. I closed the new account since rep said only 1 acct per person

Sleepy's: $1500 limit. Wanted to purchse Tempurpedic from here but not enough credit. Will be closing this account.

Tempurpedic: $9k limit. 

BofA: Applied online, denied. Called backdoor number. Rep asked me about a few things on my reports. Was signature approved by Credit Analyst for 5k on Cash Rewards card.

Amex Blue: Applied online and denied. No recon possible.

All my scores are high 600's. I think the reasons I was denied because my UTI is about 40% and I have tons of inqs. About 15 are scheduled to fall off this year but I don't see myself applying for any credit within the next 2 years.

Since I have over 10k in new credit, I will be closing the following cards since they are low limit and always deny me for a CLI.

Cap 1: Limit $1500. First rebuilder card

Citi: 1200 limit

Chase: 1500 limit

Gap: $400 limit. Can't remember the last time I used this card.

I will be in the garden for a while now

[myjourney]

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@MrChairman wrote:

8/1: Called Discover for CLI. Asked for $8k increase but was granted 5k. Total limit is $8k now.

Citi: Denied online. Attempted recon and still denied.

Best Buy: Applied online was only granted $600. I already had an account through Best Buy with the max limit of $600. I closed the new account since rep said only 1 acct per person

Sleepy's: $1500 limit. Wanted to purchse Tempurpedic from here but not enough credit. Will be closing this account.

Tempurpedic: $9k limit. 

BofA: Applied online, denied. Called backdoor number. Rep asked me about a few things on my reports. Was signature approved by Credit Analyst for 5k on Cash Rewards card.

Amex Blue: Applied online and denied. No recon possible.

All my scores are high 600's. I think the reasons I was denied because my UTI is about 40% and I have tons of inqs. About 15 are scheduled to fall off this year but I don't see myself applying for any credit within the next 2 years.

Since I have over 10k in new credit, I will be closing the following cards since they are low limit and always deny me for a CLI.

Cap 1: Limit $1500. First rebuilder card

Citi: 1200 limit

Chase: 1500 limit

Gap: $400 limit. Can't remember the last time I used this card.

I will be in the garden for a while now

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Congrats on the new mortgage and cards 

WTG

[SnackTrader]

Great job on getting some new credit. Now take care of the debt before it starts getting much worse, and head on over to the garden. Try for a gold spade, and then see if you can get even farther!!!