I am so there with you mjbfan. My INQ count is ridiculous: TU=26, EX=18, EQ=45
I just added American Eagle & JCPenney a month ago, and then last week I got Sam's Club ($1200 CL...my highest - woohoo!!) and an Ebay Mastercard. DH got Lowe's and Amazon store card last week. We have A LOT of cards now, and I think know we have plenty of good TLs to 'garden' and let age. Many of them are w/GEMB, so we just need to keep getting those CLIs every 4 months rather than opening any new cards.
We want to refi our ARM next year, so we do have a goal. It's just sooo tempting to apply when you're reading all those posts about how easily some got approved, and the high CLs they're getting!
A lot of these INQs (about 10-12 on each CR) are from car shopping last October, so though they don't fall off, they won't factor into my scores anymore. I sure wish they'd fall off completely after one year instead of two.
Must stay away from cc forum...must stay away from cc forum...
My name is soccermomof4, and I'm an appli-holic.
