Yes, I think you hit it. I did my fixing and now I'm getting bored. I will tape up house pictures. Great idea! I hope this doesn't hurt me. So scared.
@haulingthescoreup wrote:
@Anonymous wrote:Okay, so many this isn't as bad as some folks addictions, but I promised myself I would NOT apply for any other cards because I aim to buy a house in the 1st or 2nd quarter of 2009 and I didn't want to add any other inquiries. My credit is realitively young approx 3+ years, so average age is not too much of a concern, and I had not applied for any cards in 2 years until June when I received a Chase & PenFed....
Stop now. You're OK with these two, but stop now. Cut out a picture of a house and tape it on your computer screen if you need to. Just stop now. You're going to be in great shape come mortgage time.
Believe me, I hear ya. I have some final tweaking to do next January and March, and I'm bored and restless, which is always a bit dangerous with me!
Gardening time.
I guess the plus side is that they gave me the highest CL I currently have. Hopefully my other cards will follow suit.
Message Edited by UpUpUp on 07-20-2008 04:06 PM
@Anonymous wrote:
Yes, I think you hit it. I did my fixing and now I'm getting bored. I will tape up house pictures. Great idea! I hope this doesn't hurt me. So scared.
Really, you'll be fine. It's unreasonable to expect people with short credit histories to go into the deep freeze for 12 months before a mortgage. What if they get a job transfer and need a new house? What if they get a raise? So you haven't hurt yourself, and probably getting two good cards will wind up helping. You just don't need any more newness dings after these.
I typed out my plan on Notepad for where I wanted to go with my credit, and I made myself read it every time before I logged on the forums, just so I wouldn't get caught up in the frenzy. Everyone comes up with a different solution, or everyone who manages to stick to their plan!
Crocheting is starting to look pretty good to me.
Let's see: after I called the rep, they gave me a 3k credit limit (what a joke from 500 to 3000,uh?) Shortly after, I saw it was 5k. I have never asked for an increase at all. Since I wasn't as knowledgeable about FICO and "pulls", etc. I really don't know if it was hard or soft. That was about 3 years ago.
Now, I have a gold card (10K) and a plat one (23k) (they offered both and did do a hard). Plus I had a car loan 4 years ago which I immediately paid off with equity from my house (another perk of being a homeowner). They prob didn't like that too much because they didn't make any interest off that car loan! 
But, as someone said, cool it for now since you're getting a home. Good luck with that!