DiabloD3 said:Updated:
Eq to 697 from 713
Ex to 696 from 716
TU to 697 from 725
PFICO to 702 from 712

Recent additions:
So, I decided to try for a Citi card again, a Diamond Preferred Rewards card for the 5% in TY points for groceries among other things, and not only got it but a $4k limit; shortly after, Citi calls me and offers me a Citi Professional card, which I accept the offer and not only get it, but also get a $10k limit (JACKPOT).

THEN HSBC sends me a letter offering me their new Household 2% CashBack card, which I applied for and received a $500 limit, and I've also requested that my other Household card to be merged into the new one (giving me a $1k line total, hopefully). The request is still in the queue.

I currently have 1 Eq, 4 TU, and 11 Ex hard inquiries. My average card age is 10 months, and my total history is 1 year and 9 months long.

The RevolutionCard has not appeared on my report, has anyone else seen this on their reports?And this all happened AFTER your chase balances were paid down, right? It funny what that (along with a little bit of time) will do. As you were told from the getgo, you had to get things in order first and have some patience. Glad to see it's finally working out for you.

Now, just dont get all gung-ho again - if you do much more, expect your hands to be tied for another 6-12 months. If you want to leave yourself with more options in the near future, then hit pause for a bit and let these new developments settle in before continuing.

You know, over the next 3-4 months, you'll have some cards age 6 months, and some age 12 months. That might help a bit. The most important thing is still to keep utilization low AND KEEP THE INQUIRIES DOWN.

I don't know what kind of household income you've been reporting on the apps. That is, unfortunately, quite a limiting factor for these things.

I would guesstimate that after a 4-6 months of keeping your nose clean, you might really be ready for a full on AOR. Scores might still not be too high (they'll probably hit a medium-term plateau), and results might not be too impressive, but at least you'll have a good chance of getting cards with most of the major and middle banks out there.

B*

Yeah I did take advantage of it, and it changed the score decently, about +20 points average, and it turned my Citi Diamond card into a $25k card, but left my Citi Pro card at $10k (due to a 6 month no CLI rule that applies to new Pro cards but not new consumer cards, apparently).

Now, the other day Chase upped limits on both of my cards without me asking to $10k each (up from $2k and $1k). My recent score average is at an all time high.

       Equifax Experian Transunion WAMU
May    687     674      686        697
June   729     710      725        716
July   723     726      715

Edit: I wish this forum had a symbol that outputs an html fixed width text tag
Edit 2: I updated the first post to reflect whats happened thus far.
Edit 3: Okay, Citi CLI crack changed my score more than I thought.
Edit 4: C tag ftw.

Ahh, the C tag isn't in the symbols popup. I assume it does the code html tag.

I'm not currently looking to add any more credit yet until my youngest accounts hit 6 months and average age hits a year.

Inqs are currently screwed up because of TU's happy time super fix plus (f$%ktards).

Eq has one thats not even a week old (tried to get HSBC to CLI on my 2% card... no go), Ex has 8, newest is 4/2007, oldest is 8/2006, TU has 8, including three from Feburary that came from the Household 2% card and the two Citi cards. So yes, TU is up from 0 to 8.

I'll re-edit the op to reflect original credit limits as well in a second.

Who knows? And when it stops sucking, who knows if the environment will be better or worse for AORs?

I say you set an arbitrary time for the AORs, and to hell with the credit markets. Base it on inquiries. Make it so that your NEWEST inquiry, on any bureau, is either 6 months or 12 months old, then go for it.

Because you're approaching a plateau in your credit scores and credit lines, where the only way to raise them is to get older and have grandkids, or make more money.

Also, try making more money.

The number of cards that have ANY sort of balance also is a minor factor in credit scoring. Lots of cards with balances, even if small ones, will lower it slightly.

Beats me, but it's been cited as a factor for adverse action. "number of cards with balance" as opposed to "balance carried on cards".

So, you're spending like $40 a month to bump off a single TU inquiry and a single Equifax inquiry?

http://en.wikipedia.org/wiki/Cost_benefit_analysis

Hell, just go for it now and get it out of your system.