Starting Score: 600ish in 2007
psychoinhell wrote:Well I am still in the garden, but I joined PenFed and I think they may have done a hard pull for membership...
Yes, they do. EQ for me last year.
My new long-term gardening goal is to maybe app for one of their CCs early next year, but not sure about this since I now have the two new AMEX cards. From how conservative it appears they are, I wouldn't even attempt it unless I was around a 750 EQ and had very low utilization on only one card.
I want to keep my inquiries minimized for a 2014 mortgage, so after a planned detour I am planting myself here. I just spent 6 months gardening, and surprisingly it wasn't that difficult. And, it resulted in a couple of great cards and got me back in with AMEX - never would have happened if I hadn't gardened first.
New to this gardening thing. I have not had an app since November '11 so its been 7 months for me! I have also seen my score rise from the 690's to 742 on my TU, and 746 on EQ! I do have a BOA card that I opened on Nov.11 for only a 1000 CL..I want to increase that, does anyone know if BOA does a hard or soft pull for CLI?
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