@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.
I know that feeling. My inquiries are ZERO_ZERO_ZERO since a few months ago and I intend to keep them like that until I probably go for a mortgage next year.
I will do some SP CLIs though. In fact I just did 2 a couple days ago for 1900 and 3000.
Updating my thread, I exited the garden with a new EX inquiry and a new personal account. However, the extensive gardening undoubtedly aided in not only an approval but a very nice $30.5K SL on a CITI approval! 
Resetting the inquiries is a great strategy but going for periods longer than 24 months probably isn't necessary before applying for additional accounts if other credit factors are in good order. (FICO, debt-to-income, AAoA, AoOA, derogatories, etc.) But a 24-month reset is a great credit file "cleansing" technique.
@Aim_High wrote:Updating my thread, I exited the garden with a new EX inquiry and a new personal account. However, the extensive gardening undoubtedly aided in not only an approval but a very nice $30.5K SL on a CITI approval!
Resetting the inquiries is a great strategy but going for periods longer than 24 months probably isn't necessary before applying for additional accounts if other credit factors are in good order. (FICO, debt-to-income, AAoA, AoOA, derogatories, etc.) But a 24-month reset is a great credit file "cleansing" technique.
Congratulations! And really good advice!
Congratulations!! How inspiring🥰🥰🥰👍🏽👌🏽You may have created a new Take the MyFICO 24- month Credit File Reset Challenge 🧐
