Relax OP... Garden for a year and you'll be fine.
I started my rebuild 15 months ago... Last new CC was December 2013. My 2 INQs this year are an auto refi and a CLI on said CC.
Just hit 693 with 36% UTI... (A big 0% home furnishings/appliances purchase that I'm paying down in the coming months)
By this time next year I will be well over 700 with my 13 falling off soon after.
You can do it... Just gotta be strong and not app. I have the cards I want for now... Later when my profile is where I want it I will app for the best cards.
For now the gardening continues...
FICO8 current as of :
4-17-24 EQ:
724 TU:
707 EX:
706Hard INQs last 12 months: EQ:
5 | TU:
8 | EX:
9Verizon Visa
$8500 Amex Delta Reserve
$10,000 Care Credit
$18,000NFCU CashRewards
$7500 Apple Card
$7000 Best Buy
$8000 Amazon
$5000NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray)
6.95%NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome)
9.45%Total CL:
$64,000 --- Total CC UTI:
27% --- AAoA:
5.5 years --- Income:
$200kLast app:
4-6-24