Well, today was the day that I finally hit six months on my Citi Dividend World Mastercard...I couldn't wait to hit the love button, as I was confident that they would raise my limit. I filled out all of the pertinent information, but to my surprise, right before submitting the application, I was informed that I may incur a hard pull - however, I wasn't concerned because I have security freezes on all of my bureau reports. But to my dismay, my transunion report was in fact pulled despite the freeze. As you can imagine, I was very angry...I mean spit flying angry. And to make matters worst, Citi declined my request 
...I had planned on gardening until next month, at which point I had planned on applying for a CSP and a USAA World MC.
Angry about the pull, and more so because of my impatience (I should have cancelled when informed about the hard pull), I decided what the heck...I've already been dinged, I may as well go ahead and apply for the two cards that I was gardening for. So I lifted my freezes and applied for the CSP first, and....instantly approved for a $12,500 cl 
...next came USAA World MC, and....instantly approved for $5000 cl ...order has been restored, and I will be happily gardening until 2014...Thanks myFico! I am so much more educated because of you...
Starting Score: 744
Congrats on your new cards!! Smart move to go ahead and app it out.. Happy gardening until 2014
Starting Score: 08/29/2011 TU 671 EQ 674Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!
Take the myFICO Fitness Challenge
WOW, Congrats Searching! That's great especially since you've been working on your credit for so long. I had a similar story (and scores). I started rebuilding in 2008 and got really serious about it last fall. I've still got my rebuilder cards, but I hope to ditch those either at the end of this month once I close on my house or this summer.
;Starting Score: Low 500s FICO Aug 2008
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
