I was supposed to be in the garden for 20 months, but...I applied for the Discover It Chrome yesterday and was approved for $5,500. My Cap 1 Savor is only 4 months old. Then I was thinking I would really like to have the Blue Cash Preferred. I knew if I was to be approved it would be a low limit, but I really would like my accounts to grow together for AAoA so I'm willing to take the hit now to set myself up for the future. Amex approved me for $2,000. I'm thankful and I know the limit will grow.
Pulled Experian only. Fico 8 was 674 when pulled. Credit Util was 1 percent. inquiries was 12, 2 in the past 12 months. AAoA is 7 years
My Cap 1 Platinum and Discover Cash Back are over a year old and never late on any payments. I had a USAA Secured and SelfLender thats a year old and closed with no lates.
Baddies: All of my baddies are actually my oldest accounts so I will take an AAoA hit once they all fall off by summer 2021.
2 Nelnet accounts: defaulted, closed and transferred to a collector. 120 day lates
2 Kentucky Higher Education accounts: paid and closed.
Nelnet: Charged off and settled.
Cap 1 auto loan: paid and closed. 90 day late - 5.5 years old, 60 day late - 3 years old
Verizon: paid and closed. I actually use their services still and they refuse to take this off my report.
Thanks to this community and I hope these data points help. Now I'm in the garden for real until 9/2021. My next and last card that I want is the Freedom. I bank with Chase and will be at 2/24 by 9/2021 and all my baddies except Verizon will be off my report.
Also I want to add that I had no pre approvals for this card. I receive mailers for the Gold and Green card, but when I checked the prequals I was only pre approved for all of Amexs hotel cards.
Congrats and Happy New Year
Congrats on the BCP, I've got my eye on that for next month. Got my fingers crossed.