I haven't had an inquiry on my TU report since early June but I get how boring it can be at times not to app for stuff for a while. I'm probably going to stick it out now until like March of next year or something and go for one of my considerations since my accounts will have aged a lot more by then.
For now, I'm gonna see what happens with my CapOne card next month since I'm virtually done with their Credit Steps program and in October, I'm doing a PC of my Citi card to a Dividend card pretty much and really work on giving Chase some good payment and usage history. Heard of people who found it easier to get other stuff with them after they've really established themselves with them.
Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500
Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
"When you're fresh meat you kill... and give them something fresher" (Frank Underwood)