Posts: 14,062
Registered: ‎04-15-2011
Re: New guy needs help.

I wouldn't try to open the GECRB cards just yet, I'd go ahead and get another secured card.  That way you'd have a couple of revolving accounts that can age.  Basically the inquiries will have to age off.  They stay on your report for 2 years but only affect your FICO scoring for 1 year.  On a side note, some of the FAKO scores factor them in for the full 2 years.


With the others, just send the GWs out.  See what the first round does and form a gameplan from there.  Good luck!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!