I need help! I have applied for CC to many times

[NewBreed]

Hi guys im new to this!!

I know it isnt the smartest thing to do, however, i keep running my credit hoping to get approved for cards and i get denials, i think i ran it so far 17 times with in the last year and a half maybe 2 years... i finally have gotten approved for Chase Freedom after applying and applying.. i applied back in Jan and got denied, then i applied last week and got denied but did recon and called back door and they approved me for 2k limit! 

but what do i do with all these inquires!? im afraid that they have made my score go even more down? I am nervous i may have done something wrong.

Chase Freedom: 2k

Cap one cash back: 0.5k

Cap one secured: 1.5k

[jsucool76]

Garden. Stop applying for credit for at least a year and your score will slowly rise up as your accounts age.

See the garden :-)

[09Lexie]

Welcome to the forum

Obviously, if you have apped that many times the first thing you need to do is stop apping. I am assuming your cr file is thin- which is why you were getting denials. Have you pulled your cr reports to determine the actual count?

Inq's a yr or more will not count against your FICO

[myjourney]

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@NewBreed wrote:

Hi guys im new to this!!

I know it isnt the smartest thing to do, however, i keep running my credit hoping to get approved for cards and i get denials, i think i ran it so far 17 times with in the last year and a half maybe 2 years... i finally have gotten approved for Chase Freedom after applying and applying.. i applied back in Jan and got denied, then i applied last week and got denied but did recon and called back door and they approved me for 2k limit! 

but what do i do with all these inquires!? im afraid that they have made my score go even more down? I am nervous i may have done something wrong.

Chase Freedom: 2k

Cap one cash back: 0.5k

Cap one secured: 1.5k

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Welcome to the forum

Not being cruel but IMHO DO NOT APP for anything else let those INQ's age off 

That's a lot ....use the card wait at least 6 months to see how your scores rebound and then judge were your at for more TL's 

[TimeToRecover]

wow thats like at least one a month.  I would say take your 3 CC and let them age.  with a good history for a year your score should go up assuming no baddies on your CR.  What was the reason for all the denials?  Take the time in the garden to clean things up and your next time to app should go much smoother and pose much better results.

[NewBreed]

Thanks to all who replied, i HAD baddies on the CR but my job believe it or not made me take care of them becuase they check credit, i had 3 baddies totalling about 1700 but thats old news, paid off 2 last year and 1 beginning of this year then i started to increase app flow thinking i could get approved then. 

I current have 1 auto loan through wells, cap one cash back with 0.5k unsecured, cap one secured with 1.5k, and recently added Chase freedom cash back 2k

So youre saying those old credit inqs will fall off with age and just use under 30% util on my cards and i should be fine?

What is gardening? Ive checked my CR through EXP and i have total 7 on there but i dont think thats accurate.

[myjourney]

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@NewBreed wrote:

Thanks to all who replied, i HAD baddies on the CR but my job believe it or not made me take care of them becuase they check credit, i had 3 baddies totalling about 1700 but thats old news, paid off 2 last year and 1 beginning of this year then i started to increase app flow thinking i could get approved then. 

I current have 1 auto loan through wells, cap one cash back with 0.5k unsecured, cap one secured with 1.5k, and recently added Chase freedom cash back 2k

So youre saying those old credit inqs will fall off with age and just use under 30% util on my cards and i should be fine? yes 

What is gardening? Ive checked my CR through EXP and i have total 7 on there but i dont think thats accurate.

Garden Club Meeting - April 2013  read page 1 of thread.............best wishes your on your way to approvals in time

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[myjourney]

@myjourney wrote:

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@NewBreed wrote:

Thanks to all who replied, i HAD baddies on the CR but my job believe it or not made me take care of them becuase they check credit, i had 3 baddies totalling about 1700 but thats old news, paid off 2 last year and 1 beginning of this year then i started to increase app flow thinking i could get approved then. 

I current have 1 auto loan through wells, cap one cash back with 0.5k unsecured, cap one secured with 1.5k, and recently added Chase freedom cash back 2k

So youre saying those old credit inqs will fall off with age and just use under 30% util on my cards and i should be fine? yes 

What is gardening? Ive checked my CR through EXP and i have total 7 on there but i dont think thats accurate.

Garden Club Meeting - April 2013  read page 1 of thread.............best wishes your on your way to approvals in time

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Before statement cut try to be between 1-9%

[NewBreed]

my ultimate goal is to get approved for AMEX but i have a happy trigger finger and keep applying for it 3 times with in the last 3 month thinking it may be approved like how Chase was.. i know i gotta problem haha its exciting trying to get credit back to where it was! Silly mistakes take so much away!

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@myjourney wrote:

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@NewBreed wrote:

Thanks to all who replied, i HAD baddies on the CR but my job believe it or not made me take care of them becuase they check credit, i had 3 baddies totalling about 1700 but thats old news, paid off 2 last year and 1 beginning of this year then i started to increase app flow thinking i could get approved then. 

I current have 1 auto loan through wells, cap one cash back with 0.5k unsecured, cap one secured with 1.5k, and recently added Chase freedom cash back 2k

So youre saying those old credit inqs will fall off with age and just use under 30% util on my cards and i should be fine? yes 

What is gardening? Ive checked my CR through EXP and i have total 7 on there but i dont think thats accurate.

Garden Club Meeting - April 2013  read page 1 of thread.............best wishes your on your way to approvals in time

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[NewBreed]

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@myjourney wrote:

@myjourney wrote:

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@NewBreed wrote:

Thanks to all who replied, i HAD baddies on the CR but my job believe it or not made me take care of them becuase they check credit, i had 3 baddies totalling about 1700 but thats old news, paid off 2 last year and 1 beginning of this year then i started to increase app flow thinking i could get approved then. 

I current have 1 auto loan through wells, cap one cash back with 0.5k unsecured, cap one secured with 1.5k, and recently added Chase freedom cash back 2k

So youre saying those old credit inqs will fall off with age and just use under 30% util on my cards and i should be fine? yes 

What is gardening? Ive checked my CR through EXP and i have total 7 on there but i dont think thats accurate.

Garden Club Meeting - April 2013  read page 1 of thread.............best wishes your on your way to approvals in time

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Before statement cut try to be between 1-9%

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what do u mean? try to be between 1-9%.. are u suggesting i pay it off early and leave on 1-9% bal on cards?