BAM!! 6 CA Deleted In A Week!! Score good enough for good cards????

[HYPASS33]

Within the past week I have managed to have 6 collection accounts deleted off my reports. Only bad thing I have now if the First Premier CO that they will not budge on so no use on that one, its from 2010.

My Fico score went from 605 to 681 with those deletions. Any good cards I would qualify for? I already have Walmart and Sams but I want a card with a good limit. I thought with those deletions it would go higher than 681 but i'll take it!!

[Anonymous]

Congrats!!!! keep it up!!

[HYPASS33]

6 CA deletions, not CO..... Sorry

[FinStar]

It's best that you evaluate and consider holding off on applying for new credit as your other recent posts indicate you've recently established some new accounts.  Otherwise, unless you want to ding your recent score accomplishment, then the suggested strategy is to garden for a while until those new accounts age.

‎05-14-2013 11:39 PM

I just got 4 new accounts that just reported so I better let them report a few months. How long it take score to go back up after new accounts hit?

[FinStar]

I just got 4 new accounts that just reported so I better let them report a few months. How long it take score to go back up after new accounts hit?

[LS2982]

Totally agree with FinStar! You qualify for a garden stay!

[HYPASS33]

I need more self control...lol  Any cards that pull EX, that score says 722 and no inq. so 1 wont be so bad...lol  I see how the itch feels now!!

[Anonymous]

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@HYPASS33 wrote:

I need more self control...lol  Any cards that pull EX, that score says 722 and no inq. so 1 wont be so bad...lol  I see how the itch feels now!!

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Trust me, I know about the urge to apply, but you've got to hold off and let your new cards age. So many at one time is going to hit hard. If it's difficult, consider holding off on visiting here. Imagine your scores with more age, you'll be golden, otherwise you'll be back where you started.

[MsLadyRover]

Great job getting those deletions!

[shakalaka]

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@HYPASS33 wrote:

I need more self control...lol  Any cards that pull EX, that score says 722 and no inq. so 1 wont be so bad...lol  I see how the itch feels now!!

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Congrats. But I would agree to garden hard. Let everything age and the banks will reward you with better limits. Anyone use EX could also see you borderline and pull the other ones also ...

[Anonymous]

I feel like we've been down this road before. Ultimately the decision to app is up to you but this forum is to give advice and support. You have been given on umpteen posts- advice to garden your new accounts. Asking the same question on different posts is not going to change the overall consensus of those who have read your posts.

I'm not trying to be harsh and I want you to succeed in getting the 'high limit CL' you want . Unfortunately, time is truly your best friend now. You have done an excellent job removing your baddies and rebuilding your cr. don't ruin it with a wallet full of toy limits and unnecessary inq's.