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Ruined everything.

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baller4life
Super Contributor

Re: Ruined everything.

You can weed out any cards that may hinder you getting prime cards at the 12 month mark. Get cli on the ones you will keep before you apply for prime cards. Now sit back and garden. Smiley Wink
Message 11 of 13
TRC_WA
Senior Contributor

Re: Ruined everything.

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: 706
Hard INQs last 12 months: EQ: 5 | TU: 8 | EX: 9
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU 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: $200k
Last app: 4-6-24
Message 12 of 13
kingkai1990
Contributor

Re: Ruined everything.

Don't sweat it. If credit teaches anything, is that the past cannot be undone and only the future remains. Just wait it out. Pay off all of your cards. Gardening will defnitely let you be applicable for even BETTER cards next year. 

Message 13 of 13
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