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Posted (edited)

How many accounts would you like to add to a brand new file in it's first 2 years?

 

Citi 1.5yo secured $200 - got grad letter

Cap1 1.5yo secured $300 graduated and auto cli to $500 - probably bucketed? Just got an X-X days message requesting a cli

Disco 1.5yo secured $300 graduated and auto cli to $1000 auto cli to $2400 

Alliant SSl 1.5yo payed down

Amex BCE 11months $500sl auto to $1k auto to $3k 

BoA Cash brand new $1400  SL not reporting yet

770 FICO, clean file, 3-4-7 inquiries

 

I had a collection when I started with the secured cards but it aged off..

Am I doing good building a base or am I going to get stuck in toy limit hell?

I am most interested in building a beast of a credit file for the future..

 

Where do I go from here? Chase more SUBs? Garden? Only work on CLIs?

Edited by AccreditedPoster

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22 hours ago, AccreditedPoster said:

Where do I go from here? Chase more SUBs? Garden? Only work on CLIs?

 

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Posted (edited)

Well, I was tired last night and apped fro the Alliant 2% card even though I probably shouldn't have.. Oops..

 

I'm still waiting on a decision but they only pulled TU which only has old inquiries from 2017 and the credit score disclosure from them says I have a 794 TU FICO 9 so maybe I have a decent chance of being approved and hopefully with a "generous" CL to help kickstart my CL growing.. 

 

I better knock it off but this will be my last chance to app with a good file for some time.. 

Edited by AccreditedPoster

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2 hours ago, AccreditedPoster said:

I better knock it off but this will be my last chance to app with a good file for some time.. 

What does this^^^ mean?

 
 
 
On 4/14/2019 at 12:38 AM, AccreditedPoster said:

Am I doing good building a base or am I going to get stuck in toy limit hell?

You created your own toy limit hell by not depositing the max amount toward your secured cards. Citi and Discover are $2,500. Not sure about Cap One (max amount not notated on their website).

 

Work on CLI's.

 

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8 hours ago, hegemony said:

you're too worried about inquiries; also, remember it is a marathon not a sprint :)

 

 

+ several thousand.

 

An inquiry doesn't indicate that you stabbed someone in the throat.  An inquiry means you asked someone to take a look at your credit report.  

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