I got 8 derogs on my reports that i paid off last august. I was not planning on applying for more credit because i thought it would be stupid for me to do since i just got myself completely out of debt.

 

But anyways, i got 4 new credit cards in the past month, less than 10 months after paying off everything that was bad on my reports, except the student loans of course. I will pay them in full if/as soon as, i ever win a lottery.

 

I am also thankful that i took myself out of debt before trying to get married and stuff.