Haven't Posted since Feb. Started the forum as a 99% Ghost. That began Oct 2015, No credit cards, no loans, no credit file except a 6 year old $50 CO, No AAOA after letting accounts fall off one by one. 7 Years worth. Most were from the recession 2009. 1st acct was Feb this year.
2/16 Started with Discover Chrome Secured Card $200 - Never deposited more than the minimum. Don't plan to. Feb hopefully unsecure No AF, 0% till 2017
2/16 Capital One Platinum MC (unsecured) $300 - 4/18 $800 Luv Button - 7/19 $1300 Auto CLI - No AF 23%
4/16 Capital One QS1 $500 - 6/18 $1500 Luv Button - $39 AF 0% till 2017
5/16 US Bank Cash Rewards + Visa $1000 (my bank) 7-10 approved, no issues or calls - 19% 0% till 2017
7/16 Paypal Credit (Comenity hidden LOC) $1500, I have an extensive business acount with PP - 6 months 0%, 20% after
Only Prime card is through my bank. Utility 15-24% wanted to carry balance being ghost. Actual Fico Scores started at low 500's, went as high as 680 TU. New Accts lower 20-30 pts drop each time. New inquiries 6-10pts drop each. Around Oct will carry 3-5% balance, hoping for more Prime Cards. Really wanted Chase before I hit 5 Accts but after dealing with them and the EO on the phone I found Chase to be the most unprofessional. Now could care less -> including Co-branded BS. At 652 TU, 690 EQ, 660 EX currently
Nov 2015- Denied Paypal MC and Barclays - No credit history, Too few accts paid as agreed
Feb 2016- Denied Bankamericard, Amex DA - Insufficient credit history, Too few accts paid as agreed
Mar 2016- Denied Citibank - Insufficient credit history, Too few accts paid as agreed, inquiries, and derogatory (none except 6yo CO)
May- Denied Chase Freedom - Insufficient credit history, Too few accts paid as agreed, too many recent applications, CLIs not high enough
Honestly since I'm building my credit file from zero, I'm not concerned with AAOA or Inquiry Counts anymore. Chicken or the Egg vice Versa. Damage is done. Sitting at just under 30 INQ between the 3 CRA (25% from a new move, electric, etc..half from 2015). TU seems the most popular to hit followed by EX. No missed, lates, cleaned up personal info.
At some point would like to get in the door with BofA, Amex and Citi when score hits around 700
Forum has been pretty helpful so far. I peruse at least once a week. Only complaint is most approvals and app threads seem geared towards long established files good and bad. Kinda flying blindly as a ghost. It is what it is....Getting better