Anyone else hit the proverbial wall

Anonymous · ‎03-18-2017

You guys can still make under 5/24 if you stretch only 4 new cards over the next 24 months. I know that goes without saying, but sometimes I see people thinking they need to garden for 2 years.

morgacj2004 · ‎03-18-2017

I won't try again until my BK is 6 yrs post DC which is Nov 2018

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550

Anonymous · ‎03-18-2017

this is great advice. My first car loan was also very high due to credit score. I only had one credit card and knew nothing about having a credit mix. I also didnt know that I would have benefited from having multiple cards to have more on time payments being reported. However, after cc denial I just stopped applying and decided to wait until my score grew.

Re: Anyone else hit the proverbial wall

Re: Anyone else hit the proverbial wall

Re: Anyone else hit the proverbial wall