How do people do it

[Anonymous]

I have 2 Cap1 cards, Amazon, Walmart and a loan with my CU. I know that i know need to age these account but I keep finding myself apping for new accounts. How do you people do it? Is there a trick to gardening? I probably have 30+ inquiries.

I need to stop!

T

[Anonymous]

It's hard - One - I won't apply for anything else until I know how things have affected my score.   Therefore you have to wait between cards.

Sometimes I go to PreQual sites - just to see if I qualify for something new......but I don't pull the trigger.   Sometimes Its nice to know you can get something, not that you have to have it.

I worked on getting the baddies off my report - that took time between apps too.

Right now I'm waiting for the FINAL report on how having the last collection fall off my report and having my 4th card report (next week).  By then I'll be 3 mos in on Discovery and I'll start trying for CLI's. 

Just don't do anything that is a hard pull - soft only!