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Valued Member
Posts: 44
Registered: ‎07-03-2011
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Re: Been Rebuilding my Credit for almost 3 yrs now

I've been trying to get a Discover It Card for a while and last time it said to try with a co applicant or something like that so i think my odds are improving i hope! I don't want to go overboard on applying for credit so i should and probably stop for a while. I was wondering if I get approved for credit cards and store cards i have applied for will it remove the inquiries if i am approved?

EQ 647 TU 635 EX 650
Discover IT $1,000, Amazon Chase $500, Amazon Store $700, Walmart Store $450, Cabela's Club Visa, Paypal Smart Connect $410, Capitol One Platinum $1,500, Barclays Visa $2,000, PlayStation Visa $750, Chase Slate $500
Mega Contributor
Posts: 16,928
Registered: ‎08-08-2011
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Re: Been Rebuilding my Credit for almost 3 yrs now

Congrats on a great job! Thanks for sharing.


Discover IT $16.5k / US Bank Ace (VSig) $10K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $9.5k / Walmart Mastercard $8k / PayPal SmartConnect $5.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.95k / Citi DC (WMC) $4.3k
Gardening Date 5/8/15 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
Frequent Contributor
Posts: 388
Registered: ‎10-26-2009
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Re: Been Rebuilding my Credit for almost 3 yrs now

The only thing that removes inquiries is time.  They have no impact after one year and disappear after two years.



Starting Score: TU 672 EQ 654 10/20/09
Current Score: TU 775 EQ 783 EX 799 (PLUS)
AMEX Delta Platinum $35K, NFCU Visa Signature $30K, HHonors Reserve Visa $35K, WF $13.5K, IHG Rewards Club MC $25K
Senior Contributor
Posts: 10,269
Registered: ‎09-24-2013
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Re: Been Rebuilding my Credit for almost 3 yrs now

congrats

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Established Member
Posts: 30
Registered: ‎09-13-2011
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Re: Been Rebuilding my Credit for almost 3 yrs now

How soon should you try a GW letter? How soon is too soon?

 

I settled 2 CC's after 150 days late, with one of them charging off. It's been 1 year for one, and 15 months for the other.

 

Thanks.

Community Leader
Senior Contributor
Posts: 30,098
Registered: ‎02-07-2013
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Re: Been Rebuilding my Credit for almost 3 yrs now


mf91745 wrote:

How soon should you try a GW letter? How soon is too soon?

 

I settled 2 CC's after 150 days late, with one of them charging off. It's been 1 year for one, and 15 months for the other.

 

Thanks.


Yesterday Lol

Seriously start GW's and good luck

This point should be stressed more here an app spree should not be encouraged because its not for every profile
A thick file will support more apps at one time while a thin file may see negative reaction to this process

IMHO 4+ at one time is to many for a new file and it should be kept to 1-3 a year but we get caught up sometimes in seeing the little wheel spin and the words approved
Moderator
Posts: 14,062
Registered: ‎04-15-2011
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Re: Been Rebuilding my Credit for almost 3 yrs now


myjourney wrote:

mf91745 wrote:

How soon should you try a GW letter? How soon is too soon?

 

I settled 2 CC's after 150 days late, with one of them charging off. It's been 1 year for one, and 15 months for the other.

 

Thanks.


Yesterday Lol

Seriously start GW's and good luck


And that would be a day too late!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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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!
Regular Contributor
Posts: 230
Registered: ‎11-09-2013
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Re: Been Rebuilding my Credit for almost 3 yrs now

Bigtime congrats!  I hope to share my own success story later on Smiley Happy

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Frequent Contributor
Posts: 285
Registered: ‎06-25-2010
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Re: Been Rebuilding my Credit for almost 3 yrs now

Awesome work!

Current Score: TU (discover) 720 - 6/29/14 | EQ (score watch) 777 - 7/19/14 - Last App 7/21/14

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