@StarsFan wrote:Thanks Guiness56!
My biggest problem now is I have a very VERY low will power when it comes to NOT apping! I keep shooting myself in the foot and I don't know why! I have never been addicted to drugs, cigs, booze or gambling....but the freaking APP has got me in its clutches!!! Against advisement and my own gut feelings...I apped twice yesterday (already had 19 HP's)....I was trying to just land an extra account to reduce UTIL (yes, I know I was advised against it, and should have known better!).....im feeling SOOOO GUILTY today!!!!
but im getting there. when I started I had 12-ish derogs....and NO possitive trade lines other then defered student loans. Now, I have 20ish possitve trade lines and only 5 degrogs left. Over 100pnts increase in a year-ish! when I get my UTIL down, and another derog off here....and a few more months reporting...im going to be looking good! ;-)
I just gotta stay away from the APPS!!! lol
Tell me about it bro, I got addicted to APP. But reading your story keeps me motivated. Keep fighting the tough battle and 2014 will reward you.
@StarsFan wrote:Thanks Guiness56!
My biggest problem now is I have a very VERY low will power when it comes to NOT apping! I keep shooting myself in the foot and I don't know why! I have never been addicted to drugs, cigs, booze or gambling....but the freaking APP has got me in its clutches!!! Against advisement and my own gut feelings...I apped twice yesterday (already had 19 HP's)....I was trying to just land an extra account to reduce UTIL (yes, I know I was advised against it, and should have known better!).....im feeling SOOOO GUILTY today!!!!
but im getting there. when I started I had 12-ish derogs....and NO possitive trade lines other then defered student loans. Now, I have 20ish possitve trade lines and only 5 degrogs left. Over 100pnts increase in a year-ish! when I get my UTIL down, and another derog off here....and a few more months reporting...im going to be looking good! ;-)
I just gotta stay away from the APPS!!! lol
Hmm, go to the garden. They will help you stay there and not app
@StarsFan wrote:Thanks Guiness56!
My biggest problem now is I have a very VERY low will power when it comes to NOT apping! I keep shooting myself in the foot and I don't know why! I have never been addicted to drugs, cigs, booze or gambling....but the freaking APP has got me in its clutches!!! Against advisement and my own gut feelings...I apped twice yesterday (already had 19 HP's)....I was trying to just land an extra account to reduce UTIL (yes, I know I was advised against it, and should have known better!).....im feeling SOOOO GUILTY today!!!!
but im getting there. when I started I had 12-ish derogs....and NO possitive trade lines other then defered student loans. Now, I have 20ish possitve trade lines and only 5 degrogs left. Over 100pnts increase in a year-ish! when I get my UTIL down, and another derog off here....and a few more months reporting...im going to be looking good! ;-)
I just gotta stay away from the APPS!!! lol
You might want to set a goal that you wish to achieve credit-wise, or financial health wise. Maybe freeze all your credit reports so it makes it really difficult for you to just go on a whim and apply, or even do both! When you set that credit goal and you think about "apping for the fun of seeing approval" think about how it affects your goal, will risking a denial and yet another inquiry help you reach your goal? If not, just walk away.
These steps may help you garden those accounts you have. Your inquiries will have time to fall off, you'll have time to increase and improve your new credit lines and build history and age those accounts. In gardening, however, you may get addicted to something new. "How high can I get my score!" 
"I got addicted to App", LOL!
Many jokes are made but the feeling of approval is probably addictive for some people.
Starting Score: 675