@Anonymous wrote:
How do you figure 3 new accounts with a total of $1250 as alot of new accounts in 60 days? How exactly does one rebuild without opening new accounts? Besides, both the Barclay Rewards and Apple are rebuilder cards. People with better credit will not be applying for those cards. I am the perfect candidate for those cards. However, since they denied me for inquiries, by the time these inquiries drop off my scores will be much better and I won't need them. Of course, this is just my opinion. BTW...my income and utilization should minimize any concerns about my credit inquiries.
I know the total CL isn't much, and 3 accounts in 60 days is common around here, but it's a lot of activity compared to the general consumer population and what many issuers are going to be comfortable with. A lot of new accounts, regardless of credit limits, may suggest a person is either desperate or disorganized. You may have given the CSR (edit: *the idea*) that you just wanted the card to report history and didn't want to actually spend on it.
Good credit isn't built in a day; rebuilding takes even longer and you don't need a lot of accounts to rebuild. As the saying goes, you can't make a baby in a month by getting nine women pregnant.
Focus on showing good history with the accounts you currently have, and be more patient before opening more credit.
