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Apply for all these CCs without hurting your credit? Just wondering..
Flooding my credit with good credit to counter all the bad credit raised my score 150 points (450 to 600) I can live with all the inquiries for a few years, it was worth it
I might be the poster child for what not to do, but here goes.
A year ago I had:
1 mtg x 75k -- age 2 years (had refi'd from orig mtg in '02)
5 store cards (1k, 1k, 940, 500, 300)
2 SLs totalling around 62k
Target Visa 1k
Travelocity MC 2k
HSBC Discover 1k
HSBC Union Plus MC 4.6k
Amex Delta Gold 1k
1 paid car lease
90% util
Scores between 580 and 610, AAoA 6, Oldest TL 17 yrs
AU on TLs totalling 6.1k
And now...
1 mtg x 75k (now a rental prop)
1 mtg x 130k
store cards (1k went to 2.5k, 1k went to 1.9k, 940 went to 1340, 300 went to 800 and cancelled the 500 dollar Care Credit card)
opened AmGenFin/furniture acct for 4k
opened GEMB/Ikea for 2.8k
Target Visa went to 7k
HSBC Disc went to 1.5k
HSBC UPC MC went to 6k
Trav MC went to 3k
Amex was CLD'd to 500, switched to Delta Options
opened BofA Amex 2k went to 5k
opened Disc More 1.1 k went to 3.5k
opened Cap1 MC 3k went to 5.25k
opened Amazon Visa 4k
opened Amex Green (5k exposure limit)
leased and PIF 08 Saturn Vue
PIF 2k SL
still have 60k SL
lost my wallet therefore 3 newer accts are duplicates, thus further reducing AAoA
30% util
scores between 650 and 685
AAoA 4yrs4mo
AU on TLs totalling 31.1k
Now, am I forgetting anything? LOL!
--Sure enough, forgot my favorite card -- Amazon Visa!
I think the only thing that saved me was my AAoA and the fact that the youngest baddies turned 3 during the year. Prior to the new MTG hitting I kept util under 3 and scores were between 680 and 700. Everything was opened prior to the mtg except for the Amex Green and Ikea.