Stepping out of the garden, need suggestions

[myjourney]

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@2FixMyCredit wrote:

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@09Lexie wrote:
How many inq's in the past year? Is the derog a late, CO, CA?

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EQ: 7

TU: 5

EX: 2

The derog is a CO.  It doesn't report monthly though.

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IMHO wait a couple more months I know you want the cards now but let your scores increase just a little bit more and I believe you stand a better chance of approval

[lhcole77]

I agree with myjourney. You can increase your odds of approval with decent limits if you let your scores increase a bit.

[Kels]

With your scores, I'd suggest waiting longer for the new applications. Why not try to get your current cards higher limits with soft pulls CLI requests instead?

You'd probably have more luck with your current cards and if you get denied for increases, 1. You're not wasting HPs and 2. You'll know if new apps are likely to get denied.

[azguy13]

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@Kels wrote:

With your scores, I'd suggest waiting longer for the new applications. Why not try to get your current cards higher limits with soft pulls CLI requests instead?

You'd probably have more luck with your current cards and if you get denied for increases, 1. You're not wasting HPs and 2. You'll know if new apps are likely to get denied.

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Seconded! Try the SP CLI first and then go for the new apps if you need to.

[2FixMyCredit]

The only card I would want an increase on is the Bank of america card and that is 99% of the time a hard pull.

[2FixMyCredit]

I just updated my TU and I'm now sitting at 694! 

After seeing that I'm going to hold off on apping for a few more months.

[myjourney]

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@2FixMyCredit wrote:

I just updated my TU and I'm now sitting at 694! 

After seeing that I'm going to hold off on apping for a few more months.

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Bravo good choice 

[09Lexie]

Good choice!

[djc1puno]

Nice! It'll be worth it