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@Anonymous wrote:
Just me 3 no way nice. I'm actually curious what are your current scores?
Current Scores -TU 737 - EQ 715 - EX 709
They were much higher until my most recent accounts hit (and my TU inquiry debacle a few days ago didn't help at all). And to be fair, when I started app'ing last fall through this spring, my scores were all in the mid-600's (maybe a little less). Then when my only 2 collections were removed my scores jumped way up (TU hit 770). BUT, I am back to reality an realize adding so many accounts so quickly was a horrible idea. I just couldn't stop after the first instant approval - I had went like 20 years with always being denied, it felt so good to finally be approved. At least I'm over it now and will be gardening for a very long time
Definitely 2015. I never thought about playing the "credit game" until I found this forum.
I have 20+ new credit cards this year.
About 25 including second half of 2014.
Inquires are 11, 9, 8.
AAoA is still over 8 years.
In the last 6 months... 9 Credit cards, 7 Store Cards, a Line of Credit, and a Personal Loan.
I've opened five in the past year and plan to open two maybe three more cards this year.
Opened 10 new accounts this year; nine credit cards, one installment loan.
ETA: But I also closed three.
Everything in my sig line is new in 2015 except for the Capital One Platinum. In addition to that, I opened and closed Amazon Chase and Barclay Rewards and USAA CC that were in 2015 also.
I've opened 11.
@Anonymous wrote:
I opened like 8 New accounts in this entire year itself. I am definitely in a need for garden with 30 inquiries addding all 3 credit bureaus together. My fico score now ranges from 652-684
I wonder if no accounts are open any further for the next 2 years will a lender still view the 8 accounts as a risk?
I've opened... a few
@Anonymous wrote:
I opened like 8 New accounts in this entire year itself. I am definitely in a need for garden with 30 inquiries addding all 3 credit bureaus together. My fico score now ranges from 652-684
I wonder if no accounts are open any further for the next 2 years will a lender still view the 8 accounts as a risk?
As someone who's been doing the churning thing while the credit recession prevailed, I opened about 70 accounts in the last 5 years, The lion's share of which are now closed. (by consumer) I've slowed down a lot over the last year as creditors tighten up.