Hold on let me get you my account and routing number.
I was just kidding 
, it's free to join , just go introduce yourself on the gardening thread and ask for the seeding logo.
@Anonymous wrote:
I was about to pay because i want to buy a house in the future and I want to garden my score
Sorry for messing with you. 
In all seriousness, like I said in your other thread, get rid of that Credit One, 4 revolving accounts is more than enough to garden and build a solid profile, no need to pay fees to a predatory lender, they're one of the payday loans of credit cards. Another thing you're missing is an installment loan to give you a decent scoring boost through "credit mix", read through this Share Secure Loan Technique thread to learn how to obtain an SSL loan on the cheap. Good luck and see you in the gardening thread.
Additionally, and this is more my newb opinion for any one else who may stumble on this thread looking for credit inquiry answers, my guess is if you have high balances, and a lot of recent inquiries, you are even more likely to be turned away because of the red flags that Fico considers risky combined with the perception that you are over your head and grasping for straws.
Just a imo.... Sure someone will correct me if I am wrong, but till then something for people in a similar situation to consider.
Just a imo.... Sure someone will correct me if I am wrong, but till then something for people in a similar situation to consider.
Starting Score: EQ:791 | TU:785 | EX:781