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Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Need Help With CC's

I dont need your negative input nicholasyud.

Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
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Re: Need Help With CC's

I don't think he meant it as a negative or a criticism. I started on these forums with over 30 inquiries each on EQ and EX and 7 or so on TU. No biggie. It's not a bad thing. Part of the learning process.

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: Need Help With CC's

I agree with the others that you should wait until december. That will give your INQ's some time to age further.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Need Help With CC's

Looks like I will keep gardening atleast until mid Dec 2012.. Thanks everyone for there input. Any additional advice is welcome but I will still stay tuned with gardening until Dec 2013

Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
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Re: Need Help With CC's


icu2_stl wrote:

Looks like I will keep gardening atleast until mid Dec 2012.. Thanks everyone for there input. Any additional advice is welcome but I will still stay tuned with gardening until Dec 2013


 

I'm just going to echo the advice that you've already been given. Time helps, it really does. I had 2 COs and a CA on my reports when I apped for two prime cards last October; one of them was an offer that I received in the mail. I was denied on both of them. The reason given was the CO/CAs. I sat back and waited 10 months for them to drop off, apped again last weekend, and voila! Approved, with nice limits. So if you have baddies that are close to dropping off, I would strongly urge you to just sit back and wait. Right now, time coupled with responsible current behavior are your best friends.

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: Need Help With CC's

I agree that waiting is your best option. Wait til the baddies are gone, that's your best option

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Contributor
wealthcreator
Posts: 211
Registered: ‎07-02-2012
0

Re: Need Help With CC's


jamesdwi wrote:

how old are the cap1 cards, once those 20 INQ's fall off, pay down your capone cards off with perhaps one reporting less than 9% and the rest at zero, App for an AMEX Zync card should be good if the capone cards are 6months or older. If you can get closer to 700 with the INQ's dropping off and possible improved UTL, you can try  Chase Freedom and Discover More/IT 

 

 


+100

Take care of ur existing credit and use charge card.

Walmart TU-724 on 12-2012
EX-707 on 08-2012
EQ-668on 08-2012
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