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 Hello all. So as of January I had 0 credit cards. I've never needed them. I paid cash for everything. Even Cars and a House that I currently rent out.   I did have a student loans that is now completely paid off. So my oldest account which was the loan is 11 years old and never late. I had 0 baddies because I had 0 cards. In January I was approved for a capital one Journey card with the lowest amount they give out 300 and denied by Barclays. In February I opened a Fingerhut to give my self another credit line while I was building.   I used my Journey between 400 and 800 per month and paid in full a few times a month.       I want to buy a house in the next 18 -24 months and was advised by a mortgage agent at my bank get some real credit cards asap. I waited until I had the Journey 6 months but had only reported 5 times. And pulled the trigger.  Approved. Chase Freedom  2200 Discover IT  3000 Capital One QS 3000 Capital One Venture Rewards 10000 Credit Care 4200 Also excepting my Journey card to get out of credit steps in 2 weeks. Chat rep. said most likely I can expect a 2000-3000 increase because of my heavy use. I was preapproved for the Amex green and Gold Reward's but I'm not going to apply.   Also got a letter from Sportsman guide asking me to please take the pop up offer. I may next time I shop when it's a soft pull but I'm in no hurry. Now in the Garden until this October when I buy a new used car. Then back in the Garden until I buy a house.   Let this be a lesson to people with thin files don't give up. Prove you self and pay in full. 

It looks like Discover pulled Eu which was my lowest. Thinking since the lady on the phone thinks I live in a rich neighborhood that helped me out. Chase Pulled TU and so far Only 1 alert from Cap 1 on TU. No clue who credit care pulled. Though it was odd. credit Care didn't even ask for my home address only my mailing address.    I will update as my reports update. For future future reference.   As far as income..... I work 2 jobs so it go way up or way down depending on how many contracts I accept. Some years I can make 100k other I only make 40k.  My none contracting job pays 40 so I just put that. Figured it would be easier if I needed to prove income that way. I might have been able to get bigger limits if I put my exact income from last year but I just wanted to get approved with out having to recon or anything. 

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