@laboi_22 wrote:
Can't believe January is over without an app!! I'm amazed by myself. I'm starting to think I can garden for a year. One month down 11 more to go!!
I got over my app itch cold turkey
I dont even have the willingness to app. In my case ,thats a good sign. I hope it lasts till next year.
@laboi_22 wrote:
That's awesome! All I want is a BCE and I'll be good. Maybe by the summer if I manage to stay app free that is.
Your FICO is good for the BCE. But by this summer it will be higher !
I was a bad boy and opened a share account at PENFED with the requisite HP on EQ in the hope when my scores improve I get some pre-approval love.
That makes my dates of last INQ:
1/29/12 on Equifax (5 INQ's) with the oldest being from 12/21/11
1/9/12 on Experian (4 INQ's) with the oldest being from 2/15/11 (2 of them are Crap One from the same day 
)
1/15/12 on TransUnion (8 INQ's) with the oldest being from 6/15/10
If I could get rid of the duplicate INQ from crap one, use my AMEX prepaid enough (come on make-your-move), and behave for 6 months (reports locked to help) maybe just maybe I can see some ZYNC love, although I am not holding my breath as my mom has better scores then I do (667 EX FAKO from discover CMS) and they denied her because of her bankruptcy from 10-2005 (but gave no EX FICO on the denial letter).
Starting Scores: EQ MYFICO (05-12-09) 430 / TU MYFICO (12-14-09) 5213 weeks app free 
Not having the itch to app for anything, my main focus is 700+ scores now!
