Bumpage has finally kicked in, nine hard inquiries have prematurely fallen off of my credit report this week. TransUnion has been dropping one every few days while Equifax has suddenly started dropping one with every soft inquiry. At this rate they should both be free of hard inquiries in another week or two. Sadly this trick does not work against Experian, but I have a plan for the next phase of my credit repair strategy…
The upshot is that I just got an instant approval for a Citibank card with a limit at the higher end of my current cards. This shows that what I’ve been doing has been working — I’ve applied for and been denied a Citi card every couple of months — and will allow me to cancel a stack of lower-limit cards without increasing my overall utilization.
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