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6 months inq free on TU!!

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youngandcreditwrthy
Senior Contributor

6 months inq free on TU!!

Yay!
Now I need to app spree with GE/Barclay's!!
Haha
Jk!
I have enough of GE as it is, and Barclay's is scary. After having my Travelocity Amex maxxed out for the past year and paying it down to 30% util, I'm expect some AA or a cli next month...
Lol
The garden ain't so bad!!!

:-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 1 of 13
12 REPLIES 12
TNTransplant
Established Contributor

Re: 6 months inq free on TU!!

Good goin'!  Are you sure you don't want more GE luv???  It looks like you could maximize your exposure with them if you tried harder... Smiley Tongue


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Message 2 of 13
SpecFile
Valued Contributor

Re: 6 months inq free on TU!!

Very nice!! Congrats!
Message 3 of 13
Anonymous
Not applicable

Re: 6 months inq free on TU!!

You should consider closing some of the duds on your list there.

 

Congrats on your will power though! Smiley Happy

Message 4 of 13
cowboyguy
Regular Contributor

Re: 6 months inq free on TU!!

Your list is amazing. Seems like they ads up to around $150k. I'm curious how does your credit profile looks like. I mean oldest account, AAoA, length of credit history, inquiries on each report etc?

I'm little over a year into credit process & so far accumulated around $30k only Smiley Sad
Walmart Discover $10,000... Chase SW $8,500... Freedom $7,000... CSP $6,000... Amex Delta $3,000... Amex BCP $2,000... Local CU $1,500...
Message 5 of 13
Anonymous
Not applicable

Re: 6 months inq free on TU!!

Good Job!  Smiley Happy

 

It nice to hit those milestones ain't it!! 

 

Keep at it. !!

Message 6 of 13
injustifiiable
Valued Contributor

Re: 6 months inq free on TU!!

I haven't had an INQ on TU since August...

 

Works for me. lol.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 7 of 13
youngandcreditwrthy
Senior Contributor

Re: 6 months inq free on TU!!

Lol yeah!! Thanks everyone!
Well, my Ficos peaked in around Oct 2012 at something like 730-740 range...
Then after opening Amex, Discover, and Citi LOL and increasing my util a few percent...
I'm at around 700 +/- 10 points across the board.
Aaoa is 2.5 years
My oldest card is my C1 Visa at like 7 years(yes, I opened it at 17!)
My newest is a Citi Diamond Preferred at just two months old.

I want to close my Orchard Bank Gold but it's my second oldest account at 6 years and four months old. If they do not waive the AF due next December, I will close it. And Discover better cli me as they are competing with Chevron and Orchard for my lowest limit :-(
My aaoa was like three years+ before opening all of those accounts last year.
I have 8 inqs on TU in two years.
I think my other reports have like 7-11 inqs. Half of those will be falling off by August 2013, and I only have one inq on exp in 6 months. And three on EQ in six months-all from Chiti bank -.- . I was told one would be removed yesterday.

:-D
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 8 of 13
Epcot
Valued Contributor

Re: 6 months inq free on TU!!

Keep it up, nice going! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 9 of 13
Anonymous
Not applicable

Re: 6 months inq free on TU!!

Young close this accounts asap

 | C1 No Hassle Cash Visa $5k  | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k

You have some major good cards

Message 10 of 13
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