DW and I have been firmly in the garden for about 5-6 months. Planning on buying a house at the first of the year. We had to take care of a couple of negative things in our files. I had to get my student loans deffered and the late payments removed. Done! My score shot up over 90 pts!!!! She had to let her recently new cards age a little and send a good will letter to Target to get a late payment removed. Done! Her score rose about 50 pts and now has 100% payment hsitory again.
With all that being said I decided that we should go for some SP CLI's to help drive down our UTI to help in the future. While I was paying bills I decided to just peek out from the garden and see if there was any CLI sunlight:
Started with Discover: 1K CLI from 12.5K to 13.5K.
IKEA - 7K to 8.5K; used only twice in 5-6 mths.
Discount Tire - 2K to 4K asked for 10K got denied.
Summit Racing - 1.4K to 3K asked for 6K approved for 4K.
Amazon Store Card - 1.4K to 5K asked for 7.5K, denied.
Kohls - denied for CLI due to non usage - havent used since opening - fair reason lol
Victoria Secret - 7 - 10 message.
Lowes Advantage - $300 to 10K! asked for 25K approved for 12K! - DW didnt understand why I origanally applied for this card lol. This is why! Just had to be patient and let it age a bit. Paid off big time! - FYI only spent $2 in 5 months on the card LOL.
In a matter of 30 mins we netted 20K+ in CLI's from just 6 of our cards! I love it when a credit stategy falls in to place. Gotta play the long game! Still have to try for the 3X on our 2 Hilton Cards..... then its hi ho hi ho, back to the garden we go!
Nice CLI's. Congrats. Good luck on your home purchase!