operation 760 need help what's next

[joejoejohnsen]

Do to the housing market meltdown 2005-2008 left me in debt 1.7M I had to file Chapter 7 in 14 I got my discharge in July 2014 the next day I app for Cap One secure 200 CLI  in 6 mo to 500 also cap one Quicksilver one July 500 CLI  in 6 MO to 2500 august I app for discover deny Walmart deny Fingerhut approval 400 CLI  to 900 I waited 3 months app for auto loan in november with Capital One 7900 approval so now I waited two more months so my Capital One card would be 6 months old  thin in Jan  applied for the Southwest credit card  deny JCPenneys deny Barclay reward approved 1000 Barclay Apple approval 2000 now in february  [authorized user on Macy's 600 JCPenney 300 and Walmart 300] these three card is only 3 months old so what is my next move I need to crack 700 before my bankruptcy one year anniversary in july my utilization is between 3 and 10% is this enough with on-time payments for 6 months to crack 700 my score is now roughly 640 on all 

[Anonymous]

The wise owls on here will answer fully but WOW Thats alot of apps. Ever think of
speading your apps accross credit agencies?

[joejoejohnsen]

tu 12 ex 6 eq 5 I'm not going to apply for anything for 15 months then all the inquiries will start to fall off 2 at a time

[HiLine]

Would you mind breaking your original post into comprehensible phrases and sentences using stops and commas? I have serious trouble following what you wrote.

[Imperfectfuture]

With the bankruptcy still on your file, you are in a bucket. With all those inquires, you might have done yourself in.

It takes about 2 years of careful gardening (minus store cards) to get to 700 post bankruptcy. I would have to respectfully say no to your time frame.

[joejoejohnsen]

WOW NO!!!

[Anonymous]

can you explain what "Gardening" is ?

[Anonymous]

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@Anonymous wrote:

can you explain what "Gardening" is ?

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From the second paragragh of the Garden Thread

"What is gardening? Quite simply, it involves refraining from applying for new credit or seeking CLIs that require hard pulls. Soft pulls CLIs, however, are not only acceptable, but are encouraged. The idea is to allow one's current TLs to grow and mature, waiting for inqs to age or fall off, and possibly waiting for "baddies" to be removed or age off. During this time, one tends to one's current accounts and watches their AAoA grow and the new credit ding fade. Here we socialize, commiserate and support each other while waiting for baddies to fall off, new accounts and/or inq's age or just want a place to hang out to get away from the hustle and bustle of credit card talk."

All the Best

[joejoejohnsen]

Thank I will take a lookat Garden Thread.