Time to lay low for a while

[parkbuilder]

After paying off some high credit card utilization and some installment loans I'm finally starting to see some score increases. When reports updated today I hit 662 TU, 650 EX, and 621 EQ. That's 14-18 points over the last thirty days with hopefully more to come over the next few weeks. Rather than racking up unnecessary inquires applying for useless cards I plan to garden until January 2016 and then apply for a Venture card. Hopefully my scores will be in the 700s by then! Wish me luck guys and gals!

[OmarGB9]

Good luck! I have a similar strategy. I currently owe around $1.5k in debt, but I plan to pay that off within the next few months and hopefully see some nice score increases by the end of the year. I want to apply for an Amex, Discover, and a Venture then.

[Anonymous]

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@parkbuilder wrote:
After paying off some high credit card utilization and some installment loans I'm finally starting to see some score increases. When reports updated today I hit 662 TU, 650 EX, and 621 EQ. That's 14-18 points over the last thirty days with hopefully more to come over the next few weeks. Rather than racking up unnecessary inquires applying for useless cards I plan to garden until January 2016 and then apply for a Venture card. Hopefully my scores will be in the 700s by then! Wish me luck guys and gals!

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Good job on paying down some of your credit cards and grats on your score going up.  That is a good idea thus not applying for anything anytime soon.  The patience of not applying will pay off when you finally decide to take the plunge.

All in all, good job!!

[Anonymous]

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@parkbuilder wrote:
After paying off some high credit card utilization and some installment loans I'm finally starting to see some score increases. When reports updated today I hit 662 TU, 650 EX, and 621 EQ. That's 14-18 points over the last thirty days with hopefully more to come over the next few weeks. Rather than racking up unnecessary inquires applying for useless cards I plan to garden until January 2016 and then apply for a Venture card. Hopefully my scores will be in the 700s by then! Wish me luck guys and gals!

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Congrats!! I have a similar strategy and my scores have been going up as a result too. I want the QS though since I like the cashbback option.  Good luck in your gardening!

[parkbuilder]

I like my Quicksilver but only have a $1650 limit so it's hard to use without running up high utilization. I recently got my first $5k limit from NDFCU and that's been my go to card.

[NichelleN]

Good luck! I'm also in the garden until January. If my scores support it, I plan on applying for the Venture then as well. Oh and I still want a Delta Amex but I'll wait until January for that, too.

[MissMoni223]

Good strategy, stay focused!!! 😃

[Anonymous]

Good luck! And congrats on paying down your balances! Always a relief!

[Imperfectfuture]

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@Anonymous wrote:

Good luck! And congrats on paying down your balances! Always a relief!

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Nice job yourself.  I also rebuilt without bankruptcy.