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Dishpro wrote:
I forgot to mention I plan on gardening till most INQ's drop off.

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you mean stop effecting score or completely drop off? 

that's my plan as well. 

all my inq stop effectiing me aug 30th 2013. but plan on gardening ethier till jan '14 or just waiting until jan of '15. 

3 of my inq fall off my reports by year end and 6 stop effecting me by the end of feb. rest are all jun-aug. 

congrats on 8 monhts app free though. 

i think its harder to think about it when coming on here. 

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13) Starting total revolving credit: $2600 | Current total revolving credit: $21,600 Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012

2013 Goals: Freedom Signature Costco:True Earnings

Amex Zync(Unicorn) Chase Freedom$1500 Citizens Mastercard$5000