Need to apply for multiple CCs

[Anonymous]

@meanmchine.....thanks for the advice. As stated, my goal IS to acquire more lines to improve my score. 810 -50 is the ultimate but more immediate goal is in the 700-720 range

[kdm31091]

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@Anonymous wrote:
I'm thinking they are wondering if they can hit the submit button on multiple applications at once to prevent all from seeing all those inquiries. I would think there would be an order and the inquiry is instantaneous so I don't think you can beat the system that way.

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Right. Years ago, people mentioned this would work...if you submitted apps in a very short timeframe, the HPs wouldn't show right away. Nowadays it's instant.

There really is very little benefit to "sprees" at this point, IMO.

[Anonymous]

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@Anonymous wrote:
@Meanmchine.....thanks for the advice. As stated, my goal IS to acquire more lines to improve my score. 810 -50 is the ultimate but more immediate goal is in the 700-720 range

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Adding credit lines will not automatically improve your credit scores; in fact the opposite is true as there are several new account penalties that will reduce your scores.  Additional credit accounts only "thicken" your files but to improve your scores the old rules still apply; pay your bills on time, don't run up excessive debt that you cannot afford to repay.

You can have optimal credit scores with just 3 credit cards and one installment loan.

[Anonymous]

Thanks....and so true! While im getting a better understanding of how historical aging positively affects the CS I still need the initial elements in place to help me reach my end goal. Hence the quest for an "unsecured" card. Everyone here has been so great with giving their life learned advice which is why I'm here. You guys are the best and hope to learn much more from you! Thanks again

[Anonymous]

Cards all reported, still open. We shall see as time goes on...