topic Re: BAM!! 6 CA Deleted In A Week!! Score good enough for good cards???? in Credit Cards

BAM!! 6 CA Deleted In A Week!! Score good enough for good cards????

HYPASS33 — Thu, 23 May 2013 14:55:27 GMT

Within the past week I have managed to have 6 collection accounts deleted off my reports. Only bad thing I have now if the First Premier CO that they will not budge on so no use on that one, its from 2010.

My Fico score went from 605 to 681 with those deletions. Any good cards I would qualify for? I already have Walmart and Sams but I want a card with a good limit. I thought with those deletions it would go higher than 681 but i'll take it!!

Re: BAM!! 6 Charge Offs Deleted In A Week!! Score good enough for good cards????

Anonymous — Thu, 23 May 2013 14:52:52 GMT

Congrats!!!! keep it up!!

Re: BAM!! 6 Charge Offs Deleted In A Week!! Score good enough for good cards????

HYPASS33 — Thu, 23 May 2013 14:54:15 GMT

6 CA deletions, not CO..... Sorry

Re: BAM!! 6 Charge Offs Deleted In A Week!! Score good enough for good cards????

FinStar — Thu, 23 May 2013 15:17:58 GMT

It's best that you evaluate and consider holding off on applying for new credit as your other recent posts indicate you've recently established some new accounts. Otherwise, unless you want to ding your recent score accomplishment, then the suggested strategy is to garden for a while until those new accounts age.

‎05-14-2013 11:39 PM

I just got 4 new accounts that just reported so I better let them report a few months. How long it take score to go back up after new accounts hit?

Re: BAM!! 6 CA Deleted In A Week!! Score good enough for good cards????

LS2982 — Thu, 23 May 2013 15:48:25 GMT

Totally agree with FinStar! You qualify for a garden stay!

Re: BAM!! 6 CA Deleted In A Week!! Score good enough for good cards????

HYPASS33 — Thu, 23 May 2013 15:52:47 GMT

I need more self control...lol Any cards that pull EX, that score says 722 and no inq. so 1 wont be so bad...lol I see how the itch feels now!!

Re: BAM!! 6 CA Deleted In A Week!! Score good enough for good cards????

Anonymous — Thu, 23 May 2013 15:56:42 GMT

@HYPASS33 wrote:
I need more self control...lol Any cards that pull EX, that score says 722 and no inq. so 1 wont be so bad...lol I see how the itch feels now!!

Trust me, I know about the urge to apply, but you've got to hold off and let your new cards age. So many at one time is going to hit hard. If it's difficult, consider holding off on visiting here. Imagine your scores with more age, you'll be golden, otherwise you'll be back where you started.

Re: BAM!! 6 CA Deleted In A Week!! Score good enough for good cards????

MsLadyRover — Thu, 23 May 2013 15:57:00 GMT

Great job getting those deletions!

Re: BAM!! 6 CA Deleted In A Week!! Score good enough for good cards????

shakalaka — Thu, 23 May 2013 16:05:02 GMT

@HYPASS33 wrote:
I need more self control...lol Any cards that pull EX, that score says 722 and no inq. so 1 wont be so bad...lol I see how the itch feels now!!

Congrats. But I would agree to garden hard. Let everything age and the banks will reward you with better limits. Anyone use EX could also see you borderline and pull the other ones also ...

Re: BAM!! 6 CA Deleted In A Week!! Score good enough for good cards????

Anonymous — Thu, 23 May 2013 18:30:48 GMT

I feel like we've been down this road before. Ultimately the decision to app is up to you but this forum is to give advice and support. You have been given on umpteen posts- advice to garden your new accounts. Asking the same question on different posts is not going to change the overall consensus of those who have read your posts.

I'm not trying to be harsh and I want you to succeed in getting the 'high limit CL' you want . Unfortunately, time is truly your best friend now. You have done an excellent job removing your baddies and rebuilding your cr. don't ruin it with a wallet full of toy limits and unnecessary inq's.

Re: BAM!! 6 CA Deleted In A Week!! Score good enough for good cards????

HYPASS33 — Thu, 23 May 2013 18:34:28 GMT

Ok, I couldn't help myself but now I will garden!! Had to get a few limits up over the 500.00 mark..... Better limits than I thought tho!!

USAA 3000.00

WELLS FARGO 2000.00

BOA 1500.00

Re: BAM!! 6 CA Deleted In A Week!! Score good enough for good cards????

MsLadyRover — Thu, 23 May 2013 19:55:28 GMT

@HYPASS33 wrote:
Ok, I couldn't help myself but now I will garden!! Had to get a few limits up over the 500.00 mark..... Better limits than I thought tho!!

USAA    3000.00

WELLS FARGO   2000.00

BOA    1500.00

AWESOME work! Congratulations!

Re: BAM!! 6 CA Deleted In A Week!! Score good enough for good cards????

shakalaka — Thu, 23 May 2013 20:01:50 GMT

@HYPASS33 wrote:
Ok, I couldn't help myself but now I will garden!! Had to get a few limits up over the 500.00 mark..... Better limits than I thought tho!!

USAA    3000.00

WELLS FARGO   2000.00

BOA    1500.00

Congrats, but now I would garden for sure. Do not poke the bear to much ...

Re: BAM!! 6 CA Deleted In A Week!! Score good enough for good cards????

HYPASS33 — Thu, 23 May 2013 20:24:05 GMT

Of course I poked like the idiot i am lol Tried Chase and they said it looked like I apped for too many cards in one day...lol Lesson learned, time to Garden for sure!!

Re: BAM!! 6 CA Deleted In A Week!! Score good enough for good cards????

blk8 — Thu, 23 May 2013 20:25:01 GMT

@HYPASS33 wrote:
Ok, I couldn't help myself but now I will garden!! Had to get a few limits up over the 500.00 mark..... Better limits than I thought tho!!

USAA    3000.00

WELLS FARGO   2000.00

BOA    1500.00

Did you just app for these right now and got approved? I didnt see you mention these cards earlier :-)

Re: BAM!! 6 CA Deleted In A Week!! Score good enough for good cards????

shakalaka — Thu, 23 May 2013 20:27:21 GMT

@HYPASS33 wrote:
Of course I poked like the idiot i am lol Tried Chase and they said it looked like I apped for too many cards in one day...lol Lesson learned, time to Garden for sure!!

I would be very carefull now. No sense in destroying the good things with to much poking and risking AA ... just my 2 cents though.

Re: BAM!! 6 CA Deleted In A Week!! Score good enough for good cards????

blk8 — Thu, 23 May 2013 20:30:01 GMT

You can try Discover IT ... more than likely be a EQ pull.

Re: BAM!! 6 CA Deleted In A Week!! Score good enough for good cards????

HYPASS33 — Thu, 23 May 2013 20:34:59 GMT

I'm done, all these were EQ i believe. I know BOA and USAA was. I guess Chase was as well since they saw the inquiries.... I'll leave well enough alone... Has anyone else app for more then 4-5 cards in a day? Wont do that again tho....

Re: BAM!! 6 CA Deleted In A Week!! Score good enough for good cards????

Anonymous — Thu, 23 May 2013 20:40:15 GMT

You might have been double pulled by Chase. They have been doing that lately. Thought WF was EX, BoA usually is too -could depend on the region though.

Re: BAM!! 6 CA Deleted In A Week!! Score good enough for good cards????

LS2982 — Thu, 23 May 2013 20:42:35 GMT

Lmao....

CONGRATS

Some people never learn.