Itching to apply

[Anonymous]

Hey all. It's been a while for me. Staying off myfico helps me stay in the garden. But 9 of my 15 inquiries are about to hit that 1 year mark and I'm itching to apply for some prime cards. Just paid down some cc debt from 80% uti to just about 50%. I know my experian is 643 and I can't wait to see what it looks like with those inquiries hitting 1 year. I know, I know, I should stay in the garden.

[Anonymous]

Yes stay in the garden one more year when they fall off your reports 

[Anonymous]

i don't think you need to stay for another full year but another 3-6 months would probably do some decent good.

[jbsea]

i agree with everyone else... I would wait and stay in the garden for at least six more months.  I know it sounds like a long time, but it will go by fast.

[OmarGB9]

Definitely garden more until that util drops to <30%.

[Chris679]

I would advise applying for new cards as a reward when you pay of 100% of your current cc debt.

[Anonymous]

Just do what I do with purchases, ask your self two questions.  "Do I really need this now?" and "Can I afford this now?"

[Anonymous]

Stick to your goals OP. With that said, gardening and continuing to pay down your debt are not bad ideas. Best of luck!

[lg8302ch]

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@Anonymous wrote:

Yes stay in the garden one more year when they fall off your reports 

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....or until your utilization gets below 20% ideally below 10% ...whichever comes first   Do not apply for anything with a 50% util  - you will get a denial or terrible terms if approved.

[lg8302ch]

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@Chris679 wrote:
I would advise applying for new cards as a reward when you pay of 100% of your current cc debt.

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I love that idea