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Just hit 700... 2015 is looking bright!

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TRC_WA
Senior Contributor

Re: Just hit 700... 2015 is looking bright!


@TRC_WA wrote:

Thanks all....

 

After spending 2014 in the garden I decided to app for the Nordstrom card and was approved for $2500 and the Discover IT and was approved for $1500.  Both cards have extremely positive reviews and the Nordstrom is easily PCed to a Sig Visa while retaining history after 6-12 months.

 

I'm pumped!  These are my first new CC accounts in a year!  Back to the garden I go!


 

Well, not quite!

 

Since I seem to be on a roll I decided to see if I could get a CLI on my my Citi Best Buy card.  My request was approved from $1800 to $3500!  Then I was thinking it was time for a CLI on one of my CapOne cards, so I put in the request and got a CLI from $2000 to $4000!

 

Then, since I had success with Discover earlier I decided to apply for another card that I have never had... Amex.  The members here at MyFico said that the Delta Gold was the easiest card to get, so I applied and was approved for $5000!

 

Then I decided to go for Barclay Sallie Mae... since I've had the Barclay Apple for 16 months now and it's pretty worthless.  I was approved!!!!  $4500!  I then took my $2200 Apple card and moved the CL over to the Sallie Mae... and closed the Apple.  Sallie Mae is now $6700!

 

What a holiday weekend!

New accounts:

Nordstrom $2500
Discover IT $1500
AmEx Delta Gold $5000
Barclay Sallie Mae $4500 then closed Apple card and transferred $2200 CL to Sallie Mae for total $6700

CLIs:

Best Buy Citi increased from $1800 to $3500
Capital One QS increased from $2000 to $4000

I was 6 for 6... NO DENIALS!

 

NOW I'm going back to the garden! I've been focused on my rebuild and doing positive things and it has paid off!

 

2015 is looking bright!

FICO8 current as of : ----- EQ: --- TU: --- EX: ---
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Platinum $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 11 of 19
StartingOver10
Moderator Emerita

Re: Just hit 700... 2015 is looking bright!

Congrats! You have done an outstanding job! Smiley Happy

Message 12 of 19
TRC_WA
Senior Contributor

Re: Just hit 700... 2015 is looking bright!


@StartingOver10 wrote:

Congrats! You have done an outstanding job! Smiley Happy


Thanks!  It's a great feeling!  Lot of effort and more importantly patience!

FICO8 current as of : ----- EQ: --- TU: --- EX: ---
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Platinum $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 13 of 19
TRC_WA
Senior Contributor

Re: Just hit 700... 2015 is looking bright!

The Best Buy Citi CLI was an EQ pull... even though I had no INQs for the entire year I gardened these 2 INQs from this spree have dropped me from 700 to 698. FICO is so unforgiving!! LOL Smiley Happy

FICO8 current as of : ----- EQ: --- TU: --- EX: ---
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Platinum $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 14 of 19
Creditwiser
Valued Contributor

Re: Just hit 700... 2015 is looking bright!

Thanks for sharing your success. Congrats on some really good work.

NFCU Visa 30k | NFCU Platinum 30k | Cap1 QS 12K | Cap1 QS 11.5K | Barclay MC 9k | Delta Gold Amex 30K | Discover IT 14K | CFNA FS 3200 | CareCredit 20k| Paypal Credit 5k |
Message 15 of 19
TRC_WA
Senior Contributor

Re: Just hit 700... 2015 is looking bright!


@Creditwiser wrote:

Thanks for sharing your success. Congrats on some really good work.


Thanks... after my spree last week I closed 3 of my 4 Synchrony cards (76, Chevon, Walmart) and have my profile where I want it.  My EQ score dipped a few points but that's to be expected with new accounts.  My TU went up however.

 

Nothing else I need to do so now I'm gardening for 2015 like I did in 2014.

 

It's so easy.  Smiley Happy

FICO8 current as of : ----- EQ: --- TU: --- EX: ---
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Platinum $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 16 of 19
DaUsMsB
Contributor

Re: Just hit 700... 2015 is looking bright!

Great news!! Sorry I missed it originally lol.  I haven't been online as much because of holidays!!! This should be a pick me up for all of those trying to get there too!!! like me!!!!!!  Motivation! Thanks!

Message 17 of 19
Scupra
Super Contributor

Re: Just hit 700... 2015 is looking bright!


@TRC_WA wrote:

@TRC_WA wrote:

Thanks all....

 

After spending 2014 in the garden I decided to app for the Nordstrom card and was approved for $2500 and the Discover IT and was approved for $1500.  Both cards have extremely positive reviews and the Nordstrom is easily PCed to a Sig Visa while retaining history after 6-12 months.

 

I'm pumped!  These are my first new CC accounts in a year!  Back to the garden I go!


 

Well, not quite!

 

Since I seem to be on a roll I decided to see if I could get a CLI on my my Citi Best Buy card.  My request was approved from $1800 to $3500!  Then I was thinking it was time for a CLI on one of my CapOne cards, so I put in the request and got a CLI from $2000 to $4000!

 

Then, since I had success with Discover earlier I decided to apply for another card that I have never had... Amex.  The members here at MyFico said that the Delta Gold was the easiest card to get, so I applied and was approved for $5000!

 

Then I decided to go for Barclay Sallie Mae... since I've had the Barclay Apple for 16 months now and it's pretty worthless.  I was approved!!!!  $4500!  I then took my $2200 Apple card and moved the CL over to the Sallie Mae... and closed the Apple.  Sallie Mae is now $6700!

 

What a holiday weekend!

New accounts:

Nordstrom $2500
Discover IT $1500
AmEx Delta Gold $5000
Barclay Sallie Mae $4500 then closed Apple card and transferred $2200 CL to Sallie Mae for total $6700

CLIs:

Best Buy Citi increased from $1800 to $3500
Capital One QS increased from $2000 to $4000

I was 6 for 6... NO DENIALS!

 

NOW I'm going back to the garden! I've been focused on my rebuild and doing positive things and it has paid off!

 

2015 is looking bright!


Woooo! Awesome job and major congrats! You are doing great. Keep up the good work. Happy New Year!!!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
801 EQ FICO 06/2022
797 TU FICO 04/2022
793 EX FICO 04/2022
$30k NFCU Platinum | $30.7k NFCU cashRewards Sig | $15k NavChek | $7.1k Cap1 Quicksilver | $10k Amazon Store | $19k Cap1 VentureOne | $16k Barclay Aviator | $5k Chase Freedom | $5k Chase Sapphire Preferred | $9k Costco Visa | $20k AMEX BCE | AMEX Gold | NFCU Platinum #2 $19.3k | Apple $8.5k
Message 18 of 19
TRC_WA
Senior Contributor

Re: Just hit 700... 2015 is looking bright!

Thanks...  Smiley Happy

 

I'm in cruise control garden mode now... I closed 4 accounts that were no longer useful and now I'm good.

 

Gonna push for early deletion of my Ch 13 later this year...  Smiley Happy

FICO8 current as of : ----- EQ: --- TU: --- EX: ---
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Platinum $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 19 of 19
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