Alright, I wanted to open a new thread but then I saw this and I thought I might as well just use it for my purpose.
I'm officially a member of the Gardening Club until the end of the year.
This is due to quite a few reasons.
First of all I pretty much have all the cards I want at the moment.
Second, with all the new cards I have the inquiries have been adding up for quite sometime and I just need to relax a bit. I have way too many of them on my Experian report.
Third, and MOST IMPORTANT, my Equifax credit report is a literal MESS! They have virtually no records of me and my credit history. I sent off all the documents they asked for to upgrade it and it should be done just before the end of the month. I do hope so! Because this is really pissing me off!
Having said this, gardening has become a needing. It's pointless to keep applying for credit cards when I know I will be rejected if they look at my Equifax report and I will be accepted if they look at my Experian report. It's a kind of a lottery. I just don't like it.
Any other member who wants to share his view?