Thin file definately...
coming from someone with a thick file (47 TLs) 5.8 yrs AAoA
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
@Jutz wrote:Duncan haven't you put a ton of work into polishing up your reports? It sucks. I would much rather have a thin file, you can build that up pretty quick.
Yup. Ive put a ton of work into cleaning up file. But in a couple years I'll be in really good shape which is about the same amount of time it would take someone to build up a thin file. Just wanted to know what yall thought as I see different results for people on this board when they app for cards.
@Duncanrr wrote:
@Jutz wrote:Duncan haven't you put a ton of work into polishing up your reports? It sucks. I would much rather have a thin file, you can build that up pretty quick.
Yup. Ive put a ton of work into cleaning up file. But in a couple years I'll be in really good shape which is about the same amount of time it would take someone to build up a thin file. Just wanted to know what yall thought as I see different results for people on this board when they app for cards.
I take comfort in knowing that, if we stay on our current course, eventually we'll have thick, clean files. 
My current AAoA: EQ, 6 yrs 11 months; TU 8 yrs; EX 8 yrs.
Oldest Account Age: 25.5 yrs
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
Thin and clean for me!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Ill go with thick and sick (with baddies). I like a challenge.
@Duncanrr wrote:
Ill go with thick and sick (with baddies). I like a challenge.
I want thick (multiple tradelines) , long (Average Age of Accounts), and clean (no baddies, low inquiries).
I've already had enough "challenges" to last me a lifetime!
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
@webhopper wrote:
@Duncanrr wrote:
Ill go with thick and sick (with baddies). I like a challenge.I want thick (multiple tradelines) , long (Average Age of Accounts), and clean (no baddies, low inquiries).
I've already had enough "challenges" to last me a lifetime!
+1000
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
Thin file....much easier to fix than baddies
