Hello all and happy black Friday!!!!! I wanted to get everyones insight on what my next step should be in this neverending credit journey 
My ultimate goals are to get into an amex card and also later on start getting approved for higher credit limits, my current highest credit limit is 2k, I want to get into the 10k+ range, on 10/30/2013 I closed on my house and my credit score at that time was 712(fico) here is what I have now
-Current credit score=640
-total revolving accounts=17
-total installment accounts=2 car loans both were recently opened, 1 was to get a refinance and other is brand new car, mortgage hasn't reported yet
-Average account age=1.5 years
-oldest account=3 years 3 months
-Accounts opened within last 6 months=8
Inqs=34 EX, 36 EQ, 10 TU
My plan is to NOT apply for anything for as long as I need too, how long should I wait until I should start to even consider AMEX? should I wait on time or until my score hits a certain range? Anything else I should do in the meantime? Like I said, my goal is to get an amex card and also to get other higher limit cards, still have 1 or 2 that are in the 300 dollar range.
Thank you
Garden! Garden! Garden! It will take time for credit file to mature with so many new TLs and inquiries.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
@coldnmn wrote:Garden! Garden! Garden! It will take time for credit file to mature with so many new TLs and inquiries.
^^^^Agree 100%!
@FocusedAndDetermined wrote:
@coldnmn wrote:Garden! Garden! Garden! It will take time for credit file to mature with so many new TLs and inquiries.
^^^^Agree 100%!
Thank you and everyone for the advice, I just wanted to double check to make sure there wasn't something else I should be doing as i garden it up so what is the minimum amount of time I should garden for? 1 year? I am a very impatient person 
but I can do it!
@madnutz wrote:
@FocusedAndDetermined wrote:
@coldnmn wrote:Garden! Garden! Garden! It will take time for credit file to mature with so many new TLs and inquiries.
^^^^Agree 100%!
Thank you and everyone for the advice, I just wanted to double check to make sure there wasn't something else I should be doing as i garden it up
With so many new TLs and inquiries, yes, 1 yr would be best in your situation.
@madnutz wrote:
@FocusedAndDetermined wrote:
@coldnmn wrote:Garden! Garden! Garden! It will take time for credit file to mature with so many new TLs and inquiries.
^^^^Agree 100%!
Thank you and everyone for the advice, I just wanted to double check to make sure there wasn't something else I should be doing as i garden it up
Yes join us in the garden if nothing else you'll get a few laughs!
@coldnmn wrote:
@madnutz wrote:
@FocusedAndDetermined wrote:
@coldnmn wrote:Garden! Garden! Garden! It will take time for credit file to mature with so many new TLs and inquiries.
^^^^Agree 100%!
Thank you and everyone for the advice, I just wanted to double check to make sure there wasn't something else I should be doing as i garden it up
Yes join us in the garden if nothing else you'll get a few laughs!
Off to the garden I go!!! I am wondering if i should stop visiting these forums though 
I don't want to be tempted... Maybe I will just stay out of the credit card approvals area and offer help on anything I can answer in the other sub forums.
Side question: Should I freeze my credit reports? I got scammed recently this year through some company who i thought was a collection agency I owed but was actually not affiliated to the person i thought i was paying, I gave them my social which was a dumb idea on my end... The only concern I have is that my mortgage hasn't report yet, if i freeze my credit, will my mortgage still be able to get added when it starts reporting? also have 1 other TL that hasn't reported yet, or should i just wait to freeze until after those report?