@Razeus - yeah. Most were applied for in less than 24hrs from each other. Out of all approvals only one renigged the offer and that was my Barclays apple account.
@youngandcreditworthy - Been tryIng too. A lot of them either don't offer CLI or require a hardpull. Called Walmart to see if they'd bump the $1800 to $2500 and they declined it off a soft pull. Trying to get all the accounts to $2500+. Depending on what's suggested I may close some of the accounts that don't give me an auto CLI. Just don't know where to go from here.
In other news, my Chase Slate has been upgraded to the Chase Freedom.
@youngandcreditworthy - Been tryIng too. A lot of them either don't offer CLI or require a hardpull. Called Walmart to see if they'd bump the $1800 to $2500 and they declined it off a soft pull. Trying to get all the accounts to $2500+. Depending on what's suggested I may close some of the accounts that don't give me an auto CLI. Just don't know where to go from here.
In other news, my Chase Slate has been upgraded to the Chase Freedom.
Starting Score: N/A
quality over quantity......
@distantarray - so, what is your suggestion based on what I currently have open?
@JP-Photo wrote:My FICO score years ago when I checked was in the 720 range. About 3 years ago, I got upset at all the CCCs I had, pif and closed all the accounts out of spite.
The only negatives I have were 4 late payments from 3-4+ years ago (2 to Chase, 1 BOA, 1 HSBC-Bestbuy), which I was reading about possibly sending them a goodfaith letter to see if they would be willing to delete these from my credit history? (Any suggestions on this?)
The only account I kept open until recently was the Bestbuy-HSBC store card, which I requested a credit increase middle of last year and was given from $1500 to $3500.
@I have had about 10 installment loans ranging from 600-2500 that have been paid off, 2 auto loans, 1 paid off @ $17.5k I still owe $6.7k on my current car. I have recently found out that my oldest account is a Shell/Citi account from 1986 that I am apparently an authorized user on from my parents. Not sure if that account helps at all, since I was born in 1983.
As of 2 weeks ago the only accounts that showed to my name as open were:
HSBC - Bestbuy $3,500 (which has about 96% util due to there 18 Months 0% promos, $1k of which is due in the next 60 days to avoid $500 deferred interest)
I went out and applied for reasonably every card I could find, at first It was just 1-2, but then like an addicted gambler applied for everything I could find that was worth a shot, and 1 that was a long shot.
Active:
HSBC - BestBuy $3500, $3300 used (24.24%) ($1k due in 60 days from 0% for 18 months offers)
Longshot:
AMEX Delta Reserve, Declined (Too low credit score, too low # revolving acct, too many inquiries, too many neg statuses)
Applied:
Paypal Extra's Platinum, Approved $1500 (23.99%)
Discover More, Approved $1000 (0% 9 months, 19.99% after)
Chase Slate Blueprint, Approved $2300 (0% 12 month, 11.99% after)
Citi Dividen Platinum, Approved $4000 (0% 15 month, 16.99% after)
Target Red Card, Approved $600 (29.99%)
BankAmericard, Approved $2000 (19.99%)
Barclaycard (Apple), Approved $1300 (Then they closed it when I actived the card stating too many inquiries/recent account history)
Walmart Discover, Approve $1000 (22.90%)
Merrick Bank, Approved $1500 (~20+%)
Macy's, Approved ~(Waiting for mail)
Sams Club, Approved $1000 (Waiting for mail)
Home Depot Personal, Approved $500 (25.99%)
Dell Preferred, $1000 (29.99%)
Accounts Denied
Spirit Mastercard (BOA)
Capital One (Don't recall which card)
HSBC (Don't recall which card)
Orchard Bank
First National Bank
Sears
I effectively went from using $3,300 of my $4,400 credit available to now utilizing $6500 of $20,800 (not including macy's) which is 31.24% overall which is slightly higher than I'd like, but I have about $1200 of payments posting this cycle to bring me below 30% total util.
EF: 694, EX: 687, TU: 697
Am I on the right track? I really want to build as high of a score as I can. I'm gonna want to be settling down with my fiance soon, I have a Doctorate program I will be starting within a year and a half. Any other suggestions of what I should or shouldn't do, any accounts that I should open later on?
With the majority of the denial lettes stating the reason for too many recent inquiries, I think I am required to hold off on app for atleast 6months?
WOW thats a lot of apps .... I can guess why your credit score is under 700. You should age those puppies garden them out a bit wait another year before going out to app again. Keep your UTL under 25% doing these few things will do wonders for your credit score and then you can get higher limits and better cards. 
Everything will be PIF within 3-9 months. From there It's a matter of should I keep everything? Should I drop some of the weaker links now.. I get the idea to let things grow, but what about the ones that aren't growing... should I risk the hard inquiry or wait it out?
No change in 15 months.. how long should I wait for a change?
---------------------Off-Topic-----------------------------------------------------------------------------------------------------------------------------
FYI Info: Average Age of Open Credit Lines:2 Yrs 5 Mos
Oldest Tradeline:26 Years 7 Months (Sorta funny as I'm only 29)
For AAoA should I get added as an AU to some older tradelines or no?
@RonDawg wrote:
@JP-Photo wrote:My FICO score years ago when I checked was in the 720 range. About 3 years ago, I got upset at all the CCCs I had, pif and closed all the accounts out of spite.
The only negatives I have were 4 late payments from 3-4+ years ago (2 to Chase, 1 BOA, 1 HSBC-Bestbuy), which I was reading about possibly sending them a goodfaith letter to see if they would be willing to delete these from my credit history? (Any suggestions on this?)
The only account I kept open until recently was the Bestbuy-HSBC store card, which I requested a credit increase middle of last year and was given from $1500 to $3500.
@I have had about 10 installment loans ranging from 600-2500 that have been paid off, 2 auto loans, 1 paid off @ $17.5k I still owe $6.7k on my current car. I have recently found out that my oldest account is a Shell/Citi account from 1986 that I am apparently an authorized user on from my parents. Not sure if that account helps at all, since I was born in 1983.
As of 2 weeks ago the only accounts that showed to my name as open were:
HSBC - Bestbuy $3,500 (which has about 96% util due to there 18 Months 0% promos, $1k of which is due in the next 60 days to avoid $500 deferred interest)
I went out and applied for reasonably every card I could find, at first It was just 1-2, but then like an addicted gambler applied for everything I could find that was worth a shot, and 1 that was a long shot.
Active:
HSBC - BestBuy $3500, $3300 used (24.24%) ($1k due in 60 days from 0% for 18 months offers)
Longshot:
AMEX Delta Reserve, Declined (Too low credit score, too low # revolving acct, too many inquiries, too many neg statuses)
Applied:
Paypal Extra's Platinum, Approved $1500 (23.99%)
Discover More, Approved $1000 (0% 9 months, 19.99% after)
Chase Slate Blueprint, Approved $2300 (0% 12 month, 11.99% after)
Citi Dividen Platinum, Approved $4000 (0% 15 month, 16.99% after)
Target Red Card, Approved $600 (29.99%)
BankAmericard, Approved $2000 (19.99%)
Barclaycard (Apple), Approved $1300 (Then they closed it when I actived the card stating too many inquiries/recent account history)
Walmart Discover, Approve $1000 (22.90%)
Merrick Bank, Approved $1500 (~20+%)
Macy's, Approved ~(Waiting for mail)
Sams Club, Approved $1000 (Waiting for mail)
Home Depot Personal, Approved $500 (25.99%)
Dell Preferred, $1000 (29.99%)
Accounts Denied
Spirit Mastercard (BOA)
Capital One (Don't recall which card)
HSBC (Don't recall which card)
Orchard Bank
First National Bank
Sears
I effectively went from using $3,300 of my $4,400 credit available to now utilizing $6500 of $20,800 (not including macy's) which is 31.24% overall which is slightly higher than I'd like, but I have about $1200 of payments posting this cycle to bring me below 30% total util.
EF: 694, EX: 687, TU: 697
Am I on the right track? I really want to build as high of a score as I can. I'm gonna want to be settling down with my fiance soon, I have a Doctorate program I will be starting within a year and a half. Any other suggestions of what I should or shouldn't do, any accounts that I should open later on?
With the majority of the denial lettes stating the reason for too many recent inquiries, I think I am required to hold off on app for atleast 6months?
WOW thats a lot of apps .... I can guess why your credit score is under 700. You should age those puppies garden them out a bit wait another year before going out to app again. Keep your UTL under 25% doing these few things will do wonders for your credit score and then you can get higher limits and better cards.
Holy... I have never seen anyone denied for Orchards Bank must be all the inquiries.
Most of the denials were based off either too many inquiries, or too many new accounts. Orchard was actually one of the last ones I had applied for. American Express was the first to get denied, then the others started to roll in. That's actually also why barclays cancelled my apple account when I called them because my available credit went from $1300 to 0...
The one thing that I really still want to do is to start building a relationship with AMEX. I was denied last year and was told by the analyst to try again in a year. I have postponed this, but would like to apply for them when the time is right. I've been pre-selected for the Gold, Green, and Blue for personal and the gold and simplycash for my business based on the data on their website...
Just trying to get the right things planted...
