Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
. I will have to check TU next month and update.
10/8/12
Update - Received a score watch alert on 10/4. Logged in a saw that my score went from 610 to 647. Still have the same two credit cards and credit builder loan that were opened this June. Have been using those and sometimes pif and only report < 10 util, other times I have let them report up to 70% util. So far have seen a 10 point drop in score when util is high.
** Not sure why score jumped 37 points - maybe accounts have been aging?
So I applied for three cards this week. Got approved for 2 out 3. I was denied for Discover IT w/ reason being Bankruptcy, approved for Walmart (not sure if Discover or store), and Express store card (shop there once in a blue). The two approvals were instant, not sure if I should bother with doing a recon with Discover. I got the 7-10 with them and then received the denial letter. Hopefully I am in their system and maybe i'll get a pre approval later on.
Time to go back to the garden for a bit. Going for Barclays 2013 holiday season.
After discharge 02/12 I have:
Capital one 1250 06/12
CreditOne 500 06/12
Walmart 600 04/13 (had a GECRB charge-off in 2006-- Back in with them!)
Express 250 04/13
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