2d • General discussion
💡 Credit Tip of the Day: “The 2-Year Rule Lenders Never Tell You About.”
Most people focus on their score, but banks secretly look at something way more important:
👉 How many NEW accounts you’ve opened in the last 24 months.
Why it matters:Every time you open a new card, it goes into your “recent accounts” bucket — and lenders HATE seeing too many new accounts in a short period.
This is why people with:
- a 720 score
- good payment history
- low utilization…STILL get denied.
The bank isn’t mad at your score.They’re mad you look “new” and unpredictable.
The cheat code:
If you’re planning a funding run?Stop opening random cards 6 months beforehand.Let your profile season.Seasoned accounts = approvals.
⭐ Today’s Action Step
Comment:
“How many new accounts I opened.”I’ll tell you if your profile looks seasoned or if lenders see you as “too fresh.”
📞 Want us to help you build a clean funding-ready profile?
Book a free consultation — we’ll map out your exact next moves.
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💡 Credit Tip of the Day: “The 2-Year Rule Lenders Never Tell You About.”
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