Basically it's a spot where we congregate in order to spend time with out new applications. This gives us time to let inquiries age on our credit reports, pursue soft pull credit line increases, and avoid new applications / hard pulls for a set amount of time. This leaves us in a position to make sure when we do app again, we are more likely to get the best terms, rates, aprs, and limits possible.
Welcome to the forum and your more then welcome to join us in the Garden Club!
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more Scores: EQ:671 (FICO ↑ 11) EX:686 (FICO ↔ N/C) TU:686 (FICO ↑ N/C) *8-5-14* Overall UTIL: 14% *Gardening Since: 1/20/16* ------------------------------------------------------------ Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
