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@KennyRS wrote:
You already have 3 credit lines. you should garden and not obtain more until your score is better and your inquiries age off. If you can increase your deposit with wells fargo. you are far too impatient.
+1
Leave your credit now and garden, let your tradelines age, let your inq age off, get your scores up and your are golden to apply for better cards....just give it time! Rom was also not built in 1 day
@FixMyCredit1992 wrote:Two of my denial letters said "lack of accounts paid as agreed".
I only have 3 active TL's. Maybe I need a 4th?
I would see it rather as "not long enough" ... the number of accounts is fine. I had only 2 cards for years and applied for 7 new cards in 2013 never got the "lack of paid as agreed" message. Stick with your 3 cards and time will get you where you want but you need to leave it alone and not app constantly !
@lg8302ch wrote:
@KennyRS wrote:
You already have 3 credit lines. you should garden and not obtain more until your score is better and your inquiries age off. If you can increase your deposit with wells fargo. you are far too impatient.+1
Leave your credit now and garden, let your tradelines age, let your inq age off, get your scores up and your are golden to apply for better cards....just give it time! Rom was also not built in 1 day
Rom wasn't but Rome was
Just having some fun buddy! I agree with you 100%. A good portfolio takes time. It is not something to rush into and hurt yourself for a year to get a $300 secured CL.
@azguy13 wrote:
@lg8302ch wrote:
@KennyRS wrote:
You already have 3 credit lines. you should garden and not obtain more until your score is better and your inquiries age off. If you can increase your deposit with wells fargo. you are far too impatient.+1
Leave your credit now and garden, let your tradelines age, let your inq age off, get your scores up and your are golden to apply for better cards....just give it time! Rom was also not built in 1 day
Rom wasn't but Rome was
Just having some fun buddy! I agree with you 100%. A good portfolio takes time. It is not something to rush into and hurt yourself for a year to get a $300 secured CL.
lol.... that is when a German native speaker tries to write in English
@lg8302ch wrote:
@azguy13 wrote:
@lg8302ch wrote:
@KennyRS wrote:
You already have 3 credit lines. you should garden and not obtain more until your score is better and your inquiries age off. If you can increase your deposit with wells fargo. you are far too impatient.+1
Leave your credit now and garden, let your tradelines age, let your inq age off, get your scores up and your are golden to apply for better cards....just give it time! Rom was also not built in 1 day
Rom wasn't but Rome was
Just having some fun buddy! I agree with you 100%. A good portfolio takes time. It is not something to rush into and hurt yourself for a year to get a $300 secured CL.
lol.... that is when a German native speaker tries to write in English
Now I'm reading your posts with an accent in my head. SMH.
@FixMyCredit1992 wrote:The HP for the BOA secured is already on my CR.
It's either.
A. Go ahead and mail in the $300 Security deposit, and wait 12 months to graduate for the BOA Secured.
B. App for the FNBO Secured, possible CLI at 6 months, possible chance to get unsecured in 9, suffering another HP.
C. Keep the $300 and use it to pay down balances, but have a wasted BOA hp.
Which should I do?
Go with option A....why? Option B is full of "Possible" not guaranteed. I did that and now I have a great unsecured card at $1700. Add to that yes, it took 12 months to have the card graduate, but every 3 months for the last 9 months I keep getting $300 CLI ( I started out at $300). The secured card with BofA takes time but is a sure bet as long as you make your payments and don't go wild.
Slow and steady wins the race. Slow down, this is not an instant fix, though you know that and seem very impatient. I suspect more is going on behind the scenes ...but I digress.
Go with the sure bet that will grow with you and is instantly recognized anywhere you would want to use a card.
@yudeology101 wrote:
@FixMyCredit1992 wrote:The HP for the BOA secured is already on my CR.
It's either.
A. Go ahead and mail in the $300 Security deposit, and wait 12 months to graduate for the BOA Secured.
B. App for the FNBO Secured, possible CLI at 6 months, possible chance to get unsecured in 9, suffering another HP.
C. Keep the $300 and use it to pay down balances, but have a wasted BOA hp. AND ALSO SPEND $10 EACH OUT OF THAT $300 TO FREEZE ALL YOUR REPORTS
Which should I do?
Ignore my earlier advice, this is better
@FixMyCredit1992 wrote:The HP for the BOA secured is already on my CR.
It's either.
A. Go ahead and mail in the $300 Security deposit, and wait 12 months to graduate for the BOA Secured.
B. App for the FNBO Secured, possible CLI at 6 months, possible chance to get unsecured in 9, suffering another HP.
C. Keep the $300 and use it to pay down balances, but have a wasted BOA hp.
Which should I do?
C. And then C again, and then wait in the garden until INQ's fall off, and do not apply for anything else for AT LEAST 6-12 mos. If by chance you get extra money AFTER you pay off current cards, then add to your current secured card.