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Is there a detox for apping?

Frequent Contributor

Is there a detox for apping?

I sure do need it.

 

I went on a mini-app spree.  Figured it wouldn't hurt since once the mortgage shows up, and I really wanted to take advantage of some good offers.

 

Sam's Club: $700.  I really wanted the Discover version, but I'll take what I can get.

 

Old Navy: $150CL (unbelievable but thats GEMB for ya) I called for a recon, CSR says it's based on my scores.  I told her my scores are better than ever.  I'll just wait it out.

 

Gap: $200 CL (The clothes are just a bit more pricey than Old Navy)

 

JCPenney: The declined me last year, approved for $200.  I've been getting DH's limit up and now he has Elite status.  I'm going to have to start charging him.  This is my new favorite store for the whole house.  I got some really good deals on window coverings not too long ago.

 

Rooms to Go: Declined, too many inq, but DH was approved for the 3k we needed for furniture.  Thanks to all my hard work

 

Kolh's: 400 CL ( I thought I would be declined)

 

Lowes: No response yet for me, but DH got $500 then he recon'ed and got $2500, I fed him the answers for the analyst.  Didn't want to get too greedy.

 

Chase Freedom: Declined, too many inq.  I'm thinking I didn't really want this, but worth a try.

 

Sears: DH declined for too many inq, and then I stopped

 

 

 

Not bad for some store cards.  I think I'm done.  I'd like one more Navy card, but I'll wait for the 1st one to season for a at least a year or so.

 

Thanks fellow threaders for all your advice this past year.  I've come a long way!

Where I was 8/22/08 TU 581 EQ 554 EX 615
Where I am 7/30/09 EX 737 (FAKO) EQ 689 TU 745
Can't wait to see what my scores will be when all my accounts hit the 1 year mark!
23 REPLIES
Contributor

Re: Is there a detox for apping?

I hadn't applied for any credit at all in the last 12 months, due to wanting to buy a house.  We closed on the house ten days ago, got the keys and have been remodeling. 

 

Well about two days after we closed, I got to thinking that I needed "a" revolving line of credit, as I had none.  I think I app'd to 7 or 8 places...

 

Macy's - Declined (no good reason, just a bunch of random incorrect babbling on their denial)

Kay Jewelers - approved $4000

Local CU - approved $1000

Capital One - approved $1000 - $39 annual fee

Hooter's - "7 - 10 days"

Home Depot - "7 - 10 days"

Target - approved for a whopping $200

 

So now I'm hoping to get into "apping rehab."  It was really cool to hit submit all those times...but I guess I need to stop until next Halloween, LOL.  Thank goodness we have newer vehicles and have bought our house.  I think I'm going to lock all three reports to prevent myself from applying.

 

 

My Scores:
10/09: EQ 653, TU 656; 8/09 FICO Lender: EQ 652, TU 646, EX 659 10/11: EQ 672, TU 679 EXP Lender 680


Chapter 7 BK Discharged Aug 29, 2007.
Contributor

Re: Is there a detox for apping?

I'm also a apping junkie i froze my credit file , as part of my recovery

Starting Score: 760
Current Score: 760
Goal Score: 800


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Super Contributor

Re: Is there a detox for apping?


xchap wrote:
I'm also a apping junkie i froze my credit file , as part of my recovery

+1  After 11 cards, I don't think I need anymore...especially after seeing my AAoA decrease to 2.5 years from 4.   I won't dare order my new FICO scores anytime soon.  I would like to think they are still, although may be, in the upper 700's.  

Message Edited by DI on 10-20-2009 04:24 PM
Senior Contributor

Re: Is there a detox for apping?

Stop reading the credit boards.
Super Contributor

Re: Is there a detox for apping?


smallfry wrote:
Stop reading the credit boards.

If it was that easy. All my reports are frozen now.  I think the decrease in my AAoA really got me to not think about apping for credit.  CreditKarma is useful after all. 

Super Contributor

Re: Is there a detox for apping?


DI wrote:

xchap wrote:
I'm also a apping junkie i froze my credit file , as part of my recovery

+1  After 11 cards, I don't think I need anymore...especially after seeing my AAoA decrease to 2.5 years from 4.   I won't dare order my new FICO scores anytime soon.  I would like to think they are still, although may be, in the upper 700's.  

Message Edited by DI on 10-20-2009 04:24 PM

You should pull your scores.  That would force home the idea of just saying no to so many credit apps.

10/17/2017 FICO: EQ 829 TU 830 EX 826
Senior Contributor

Re: Is there a detox for apping?

You hit the natural detox or app prohibitor....it's called declines due to too many inquiries.  A few of those rejections will tend to set you straight (hopefully)  Smiley Wink

 

 

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Contributor

Re: Is there a detox for apping?

yes already did got denied for a personal loan and pedfed CC. reason  : too many inquires+ high util.. over 50% 

Starting Score: 760
Current Score: 760
Goal Score: 800


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Contributor

Re: Is there a detox for apping?

I need a detox too...getting approved gets me on a high and makes me think I need to apply again.....Im stopping I swear!  

 

 

But I do think this forum makes me want to apply for things I dont need once I see someone else got approved....I have no will power. 


Starting Score: EQ: 590 TU: 599
Current Score: EQ: 642 TU: 683
Goal Score: 720 by 12/31/10


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