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05-09-2013 02:42 PM - edited 05-09-2013 03:06 PM
Hey there, I just want to thank you guys on this forum and hopefully you guys can help me stay on the Garden path. I am 20 soon to be 21 with the following accounts but need to cool it for the next year or two to let all these inquiries drop off. Any guidance besides gardening? My Walmart FICO score is 699 and that is with 30 inquiries
BofA Signature Cash Rewards $5000
Paypal Smart Connect $4000
Discover IT $1700
Amazon Store Card $1500
Walmart Discover $1250
Chase Slate $1500
Best Buy RewardZone $1000
Captial One Platinum $750 (For 3 years.....)
Old Navy $200
Target REDcard $200
05-09-2013 03:08 PM
05-09-2013 03:13 PM
Welcome to the forum
Nice portfolio of cards
No one wants to hear it but it's part of the credit game
With 30 INQ's its time to hit the garden and wait on some of those to fall off.
The plus side is your scores are high if all cards are reporting you're a good shape
05-09-2013 03:14 PM - edited 05-09-2013 03:16 PM
I would say more than half are from the past year, I rather foolishy thought that it would work like applying for a car loan. If you apply a bunch in a small period of time it would look better. I now know better, the Capital One is my oldest card and my AAoA is 1.75 years. Not great I know but for a credit file that is only 2 in a half years old I think its pretty good. Utilization is around 4%. I am done apping for at least a year as I really want to get in with AMEX
My walmart FICO is 699, my EX is I believe 709 and I am not sure about my TU but I believe its in the 680's
05-09-2013 03:18 PM
05-09-2013 03:48 PM
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