Am I just going to keep getting denied?

[KneelBeforeZod]

That's the spirit! No more apps for a while. I did that for two years in anticipation of my recent home purchase. After a few months, you will have a feeling that you gained momentum and you'll be good.

[8in2years]

It's hard to fight the app spree itch, but you will be happy you didn;t fold in the long run.

[TRC_WA]

Once you get used to it it's not a big deal. I haven't apped for a CC since early December and my only inquiry this year was my auto refi.

I'm gardening till 4/2016 at which time my 13 will fall off my reports and I'll have 0 inquiries.

I don't need to rush out and try to buy a home right now... I have no problems waiting 2 years for a much better deal. It's easy to do that when someone else pays your rent. I have a 3 BR for $1500... And charge my 2 roommates $750 each and I just pay utilities.

So yeah... Waiting is fine.

[TheConductor]

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@triedtogetacardandcouldnt wrote:

Eek...this is embarrassing...I actually finished school in late 2010. Bad economy, can't do what I love and so on so forth.

On to more relevant topics...double eek. Just got three new credit cards. Whoops. I guess my official gardening time can start now. No more apps. I have to repeat it like a mantra. No more apps, no more apps, no more apps.

Luckily for me I love digging in the dirt.

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No need to be embarrassed about your work situation. In this economy, merely having any kind of job after college is an accomplishment. If you have steady work that keeps you fed and sheltered, you are doing better than many others in this world and have cause to celebrate.

In credit, and in the workforce, the best way to build your reputation is with patience and consistently meeting your commitments. You will get to those higher tiers in time, in both cases I am sure.

In the short term, if it helps with the discipline to avoid applkying for a while, you might consider freezing your credit reports so that you can't make an app without having to unlock the garden gate first.