topic Re: Final verdict on my mini app spree in Credit Cards

Final verdict on my mini app spree

jtc411 — Sat, 06 Oct 2012 19:20:07 GMT

Well after starting 7 months ago on myfico with a score of just over 580, I'm now at 740 and just closed on a home and did a refi on my car at 2.75% I also did an app spree. Household income is around 75k

chase freedom - 6k

bofa 123 - 5k

us bank cash+ - 5k

amex bce - denied off a SP. high internal risk and outdated SP

citi Ty - denied for not having high enough revolving use and high inquiry count( last card applied for, glad I didn't get It. I really applied on adrenaline)

Added 16k in sig cards. I've never had more than junk cap one credit step cards. Happy man

Re: Final verdict on my mini app spree

Duncanrr — Sat, 06 Oct 2012 19:24:25 GMT

well done. Enjoy new cards and grats on refi.

Re: Final verdict on my mini app spree

creditdreamera — Sat, 06 Oct 2012 19:28:19 GMT

Amazing, congrats to you!

Re: Final verdict on my mini app spree

kwazziee — Sat, 06 Oct 2012 19:35:36 GMT

Great story. Congrat. I know how it feels after my recent app spree.

Re: Final verdict on my mini app spree

OptimasPrime — Sat, 06 Oct 2012 19:37:04 GMT

Congrats.

FYI- It looks like you just cleared the bar for a visa sig with bofa (5k is the minimum cl). Consequently, it is very likely that the limit on the 123 card will not be reported. Probably not a big deal anyway since your other limits are comparable

edit to add- AFAIK bofa is the only lender that does not report visa sig cls

Re: Final verdict on my mini app spree

creditnocash — Sat, 06 Oct 2012 19:47:25 GMT

congrats. treat them nicely.

Re: Final verdict on my mini app spree

tinuviel — Sat, 06 Oct 2012 19:51:17 GMT

That's fantastic!!! Congratulations!!!!! :D

Re: Final verdict on my mini app spree

migliogiorni — Sat, 06 Oct 2012 20:14:34 GMT

Very nice CL's congrats.

Re: Final verdict on my mini app spree

whipster — Sat, 06 Oct 2012 20:16:23 GMT

Great job! After several months I bet you get some very nice CLI's!

Re: Final verdict on my mini app spree

Cadillac-XTS — Sat, 06 Oct 2012 20:53:23 GMT

Congrats

Re: Final verdict on my mini app spree

beautybrainsbooty — Sat, 06 Oct 2012 21:02:46 GMT

Spectacular!! I too have experienced amazing jumps in score. Its the best feeling in the world. Congratulations my friend!! ;)

Re: Final verdict on my mini app spree

jasimae — Sat, 06 Oct 2012 21:17:13 GMT

Congrats. Excellent cards and limits. I hope to be closing on a home soon and hoping for significant increases on my cards thereafter.

Re: Final verdict on my mini app spree

gettnthere — Sat, 06 Oct 2012 21:30:26 GMT

COngrats!

Re: Final verdict on my mini app spree

LS2982 — Sat, 06 Oct 2012 23:19:53 GMT

Awesome set of approvals!!

CONGRATS!!!!

Re: Final verdict on my mini app spree

jtc411 — Sat, 06 Oct 2012 23:28:49 GMT

Thanks everyone...this is a huge milestone for me. Coming from struggling to get approved for any credit to getting approved by 3 of the larger banks, especially us bank whom i've applied about 5 times in the past 6 years for things and always getting denied, I feel great about my credit journey. I wil be serious gardening for years. I can't imagine needing any more credit