topic Re: operation 760 need help what's next in General Credit Topics

operation 760 need help what's next

joejoejohnsen — Tue, 10 Feb 2015 04:07:14 GMT

Do to the housing market meltdown 2005-2008 left me in debt 1.7M I had to file Chapter 7 in 14 I got my discharge in July 2014 the next day I app for Cap One secure 200 CLI in 6 mo to 500 also cap one Quicksilver one July 500 CLI in 6 MO to 2500 august I app for discover deny Walmart deny Fingerhut approval 400 CLI to 900 I waited 3 months app for auto loan in november with Capital One 7900 approval so now I waited two more months so my Capital One card would be 6 months old thin in Jan applied for the Southwest credit card deny JCPenneys deny Barclay reward approved 1000 Barclay Apple approval 2000 now in february [authorized user on Macy's 600 JCPenney 300 and Walmart 300] these three card is only 3 months old so what is my next move I need to crack 700 before my bankruptcy one year anniversary in july my utilization is between 3 and 10% is this enough with on-time payments for 6 months to crack 700 my score is now roughly 640 on all

Re: operation 760 need help what's next

Anonymous — Tue, 10 Feb 2015 05:11:03 GMT

The wise owls on here will answer fully but WOW Thats alot of apps. Ever think of
speading your apps accross credit agencies?

Re: operation 760 need help what's next

joejoejohnsen — Tue, 10 Feb 2015 05:19:04 GMT

tu 12 ex 6 eq 5 I'm not going to apply for anything for 15 months then all the inquiries will start to fall off 2 at a time

Re: operation 760 need help what's next

joejoejohnsen — Tue, 10 Feb 2015 05:27:04 GMT

Re: operation 760 need help what's next

HiLine — Tue, 10 Feb 2015 06:41:16 GMT

Would you mind breaking your original post into comprehensible phrases and sentences using stops and commas? I have serious trouble following what you wrote.

Re: operation 760 need help what's next

Imperfectfuture — Tue, 10 Feb 2015 12:48:40 GMT

With the bankruptcy still on your file, you are in a bucket. With all those inquires, you might have done yourself in.

It takes about 2 years of careful gardening (minus store cards) to get to 700 post bankruptcy. I would have to respectfully say no to your time frame.

Re: operation 760 need help what's next

joejoejohnsen — Tue, 10 Feb 2015 13:32:26 GMT

WOW NO!!!

Re: operation 760 need help what's next

Anonymous — Tue, 10 Feb 2015 23:49:00 GMT

can you explain what "Gardening" is ?

Re: operation 760 need help what's next

Anonymous — Wed, 11 Feb 2015 00:01:57 GMT

@Anonymous wrote:
can you explain what "Gardening" is ?

From the second paragragh of the Garden Thread

"What is gardening? Quite simply, it involves refraining from applying for new credit or seeking CLIs that require hard pulls. Soft pulls CLIs, however, are not only acceptable, but are encouraged. The idea is to allow one's current TLs to grow and mature, waiting for inqs to age or fall off, and possibly waiting for "baddies" to be removed or age off. During this time, one tends to one's current accounts and watches their AAoA grow and the new credit ding fade. Here we socialize, commiserate and support each other while waiting for baddies to fall off, new accounts and/or inq's age or just want a place to hang out to get away from the hustle and bustle of credit card talk."

All the Best

Re: operation 760 need help what's next

joejoejohnsen — Wed, 11 Feb 2015 02:16:19 GMT

Thank I will take a lookat Garden Thread.