Inquiry Reset! Reached my 0/24 Goal!

[Aim_High]

My last HP on any CRB was two years ago yesterday when I applied for my AMEX Gold with an EX HP.   So now I'm 0/6; 0/12/; 0/24 on all three CRBs!     I post this to share with the community and as a precursor to resuming a few selected applications with hopes that my approvals will be favorably influenced.     We often say on My FICO that managing our credit is a marathon, not a sprint.  Sometimes, it's important to pace ourselves.  Reaching a "fasting" goal from credit seeking can be just as satisfying as getting a new card and taking a break helps to clarify future goals and strategy.

While I have no HPs, I've gotten several SP CLIs and even added one AMEX card with a SP, my Marriott Bonvoy Brilliant.  (For new cards, I'm 0/6; 1/12; 1/24.)   I've not always had so many inquiries, but from 2018 to 2020 I started a major credit card makeover and added many new cards.  Over that time, my SLs had slowly fallen due to the credit-seeking and I got my first two denials for a new card in decades.  Ouch.  And that was even without derogs, low utilization, high FICO, high income.  It was time to stop and take a break.  Initially, I planned to just cool it for awhile with no particular goal, but gardening became a habit.  (Insider tip:  It gets easier as you do it longer.)  

*For some reason, my EX app shows the last inquiry won't be officially removed until 09/15/22 which would be 25 months after the inquiry.

[Anonymous]

congrats! I am currently eq(0/6, 0/12, 3/24), ex(0/6, 0/12, 4/24), tu(0/6, 1/12, 3/24) and with accounts(0/6, 0/12, 3/24)

[OmarR]

Your EX inquiry will fall off on 09-03-22.

[cashorcharge]

Congrats on that patience!

[mgood]

Congratulations!

[SouthJamaica]

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@Aim_High wrote:

My last HP on any CRB was two years ago yesterday when I applied for my AMEX Gold with an EX HP.   So now I'm 0/6; 0/12/; 0/24 on all three CRBs!     I post this to share with the community and as a precursor to resuming a few selected applications with hopes that my approvals will be favorably influenced.     We often say on My FICO that managing our credit is a marathon, not a sprint.  Sometimes, it's important to pace ourselves.  Reaching a "fasting" goal from credit seeking can be just as satisfying as getting a new card and taking a break helps to clarify future goals and strategy.

While I have no HPs, I've gotten several SP CLIs and even added one AMEX card with a SP, my Marriott Bonvoy Brilliant.  (For new cards, I'm 0/6; 1/12; 1/24.)   I've not always had so many inquiries, but from 2018 to 2020 I started a major credit card makeover and added many new cards.  Over that time, my SLs had slowly fallen due to the credit-seeking and I got my first two denials for a new card in decades.  Ouch.  And that was even without derogs, low utilization, high FICO, high income.  It was time to stop and take a break.  Initially, I planned to just cool it for awhile with no particular goal, but gardening became a habit.  (Insider tip:  It gets easier as you do it longer.)  

*For some reason, my EX app shows the last inquiry won't be officially removed until 09/15/22 which would be 25 months after the inquiry.

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Congratulations on that great exercise in self discipline.

[DJRobbieD]

Congrats on the milestone! I'm very curious to see your next moves if you decide to leave the garden

[kilroy8]

Way to go!

[SweetCreditObsession]

@Aim_High, congratulations on investing in the garden! Aging off HPs and growing limits can be very rewarding and makes your profile even stronger.

[learningcredit54]

Congrats on reaching that 0/24 goal and congrats and your over credit profile. The siggy shows much dedication to credit. Patience appears to be key.