Decided to let go house and got credit application happy

[Df4life]

I had to move on short notice two months ago and just decided to cancel the house I was having built in Florida, which I worked so hard on clearing my credit to get. So I started applying for credit. I didn't realized I had applied for so many, until I just wrote them down. I think I was depressed. Now, I figured I would built a two year history with the cards for which I was approved and not apply for any more credit for the next two years, which would allow for the inquires to disappear.

Also I realized that my TU and my EQ credit report are split. My fico last scores were EQ 592, EX 625, TU 680. I just tried and ccould not pull my EQ report from myfico, because it was blocked, so I pulled it with EQ and got a score of 721, but the catch is that none of my revolving accounts are listed on my credit report. The report has 10 installments accounts, which has been paid off for 5 to 9 years. I just received my TU credit report in the mail and I got two of them. One is free of negatives and the other has 4 negatives, 1 which is not my account and 1 I recently got goodwill luv. The TU score listed above has no negative, just high utlization (70%). Now I need to work on getting these two reports consolidated. Anyway, here are my approval and diapprovals

Approvals: Patelco- 5K Visa Gold; Target Guest Card-$200, Target Visa - $500, Dell -$1500, Juniper Carnival - $1500, Walmart -$100. Walmart is already reporting on TU and EX, didn't get a notice of approval yet

Unknown = American Express Blue-?, UnionPlus-?, I think I am approved for both of these, they need to verify my new address. So I have to send in proof. UnionPlus was instant approval then changed to under review until the request information is sent, BP -? and USAA-?

Denials - Best Buy, Circuit City, Lowes, Home Depot and Linen & Things

I got the denials first, I figured because of EQ, so I tried for companies that pulled EX and TU.

[Been_Ponzied]

I'm not quite sure what you are asking.

I don't know enough about credit repair yet to give you any good advice. But why did you apply for so much credit at one time? I would think that would lower your scores because it looks like you are in trouble or something to apply for so many credit accounts. Also, how did you know beforehand which stores pulled your file from which agency? I'm curious to know.

Could you clarify what you are asking? THANX!

[Df4life]

Been_Ponzied,

I was not asking a question, I was sharing. I don't know why I applied for so many. I guess I was wondering if this has happen to someone else. I only had three credit cards, Military Star, Chase and BOA (Secured $99) and a gas card(Chevron) when I applied. I paid off and closed Orchard. The limit on these card was so low no above $500, except my Military Star and I received no luv on increases. I was trying to see if I could get over 1K and I did. I have not applied for any new credit since Feb, because I was going to purchase a new home. I guess at who pulled what. Because my EX and TU have good score. TU is clean and EX has 6 accounts with lates that are over 2 years. My Utilization is killing my score, this is mainly Military Star Card, which is at 85%. I think these new cards will help my utilization and because I have 5 credit reports, may be I can get some of the inquires remove. I will update as soon as I figure out who pull what.

I don't plan on using of 5% of the new cards and I am going to pay off Chevron this month and store it, because there are no chevron near me. There were a lot of them in Florida.

[Been_Ponzied]

Hi,

Oh well that's perfectly OK to share. If I were you, I'd try to get them all paid off to 0 and keep them open, and just use 2 at the most. What reason did the others give for denying you? It sounds to me like you have good credit so far.