No apps since Amex BCP on Jan 27th.
Starting Score: 675
When you have BCP what else do you need? 
Maybe a Centurion when you get rich 
@rootpooty wrote:how long is better to garden 6 mos or a full year?
I would think a year helps more than 6 months but its based on your own credit profile.
Still here, holding out for the 723-763 the score simulator says I can achieve with a year of ontime payments. Not easy, but, I don't want to get a bunch of declines again. I now know Amex is not a possibility unless it's been at least 8 years since my bankruptcy was filed, so won't bother with them no matter how good my score gets. Whenever I hit that one year mark or 723, I am going app crazy. But, I'm going to be smart about it this time. I'm not going to waste any inquiries by app'ing for cards that usually blacklist bankruptcy or companies I've had a negative relationship with. I'm going to take the time to carefully check out anything thoroughly before I app. If I would have done that the first time, I wouldn't have a pile of inquiries. So, lesson learned there. The only exception will be trying for a GE card, not sure which one, just to see how long the blacklist lasts with them since it seems it's pretty temporary. My app list will probably include Discover More, Cap One Cash Rewards, Barclays Barnes and Nobles, and Amazon for my GE attempt. Possibly also try for a card with USAA.
We are in the home stretch of this month, only a few more days to go. Then we can start gardening again for June
For June I intend to not allow a single HP on my CR, not even a CU membership
@Anonymous wrote:We are in the home stretch of this month, only a few more days to go. Then we can start gardening again for June
For June I intend to not allow a single HP on my CR, not even a CU membership
Aw dangit, I was going to set up four new checking accounts this month. I suppose I can wait. 