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indiolatino61
Posts: 1,439
Registered: ‎11-10-2012

Re: Does time in the garden increase your CLs on new cards in the long run?


enharu wrote:
If both of them had a number of recent inquiries and new accounts, and person A applied before those new inquiries and accounts become >1 year, he will have a lower CL and approval odds compared to B, who chose to give the new accounts time to age and also for inquiries to become older

+1

 photo Logo-CreditCardCollection_zps46f2f9f7.jpgWmart (TU): 809, Disc it (TU): 809, CKarma (TU): 772, AmEx (EX): 755, CSesame (EX): 727, Quizz (EQ): 783, myFICO (EQ): 770.
Oldest: AmEx: 26Y-5M, AAoA: 7Y-6M, Utl: 2.73%, 12/24 Inq: 6/16, Income: $104k, Garden: 06/16/2014. Updated 07/23/2014.

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