Finally clean but nothing to apply for

Anonymous · ‎05-10-2018

Well I finally cleaned my reports but unfortunately I can’t find anything interesting anymore to apply for. I got most of the decent cards that I wasn’t blacklisted for during my rebuild. Feels odd

2 new accounts in Jan
1 auto loan in Dec
Those are my most recent additions
Over 5/24
Amex is the only BL I am on

Anonymous · ‎05-10-2018

Kinda like the dog that finally catches the car, you will get used to it though, time to sit back and watch the score rise even more as your new accounts age.

Loquat · ‎05-10-2018

Congrats on the clean file OP! Now that you've done the hard work it's time to sit back and relax. Enjoy the fruits of labor. No need to apply for the sake of applying. If you're happy with your current line up then there's no need to add. If you're so inclined you can always browse the Approvals section of the forum and live vicariously through others. Congrats again and enjoy!

Anonymous · ‎05-10-2018

@Loquat wrote:
Congrats on the clean file OP! Now that you've done the hard work it's time to sit back and relax. Enjoy the fruits of labor. No need to apply for the sake of applying. If you're happy with your current line up then there's no need to add. If you're so inclined you can always browse the Approvals section of the forum and live vicariously through others. Congrats again and enjoy!

I don't know Loquat, that's like sending a recovering alcoholic to work at the liquor store. lol Personally, I got over the itch by heading over to Personal Finance and buried myself in high yield deposit accounts for a few months.

NRB525 · ‎05-10-2018

Congrats OP!

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

SouthJamaica · ‎05-10-2018

@Anonymous wrote:
Well I finally cleaned my reports but unfortunately I can’t find anything interesting anymore to apply for. I got most of the decent cards that I wasn’t blacklisted for during my rebuild. Feels odd

2 new accounts in Jan
1 auto loan in Dec
Those are my most recent additions
Over 5/24
Amex is the only BL I am on

Good. Now you can relax and enjoy watching your scores go up, up, up.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 23700

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

Geo-fenced credit union Platinum Visa 10500

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682

NichelleN · ‎05-10-2018

Congratulations! I found myself in a similar position about a year ago. There is a Chase card I want but I was over the 5/24 max so I couldn't apply for it anyway. The last year has just been sitting back and really doing nothing but getting soft pull CLI's on my cards. You could do that! See how many CLI's you can get without hard pulls.

I re-arranged my spending and fell in love with my Costco citicard. Inquiries have continued to disappear, accounts have continued to age and my scores are now the highest they've ever been. It's been a good year. I'll likely apply for that Chase card around Christmas time.

Enjoy.

More than enough credit.

Kforce · ‎05-10-2018

@Anonymous wrote:

Personally, I got over the itch by heading over to Personal Finance and buried myself in high yield deposit accounts for a few months.

This will make you more money than CC's

Anonymous · ‎05-10-2018

@Kforce wrote:
@Anonymous wrote:

Personally, I got over the itch by heading over to Personal Finance and buried myself in high yield deposit accounts for a few months.
This will make you more money than CC's

It's already paying off big time. Next is investment but I think I need to defrag my old brain a little before taking on more new stuff.