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Regular Contributor
beautybrainsbooty
Posts: 212
Registered: ‎08-02-2012

CareCredit Approval..in shock but oh the benefits of a good score ;_)

i nearly fainted when CARECREDIT (GE) approved me yesterday for some work at my dentist office. I thought they would give me some toy credit line to play around with. NOPE, they busted out a big boy line on me with no APR if paid in full within 24 months. Another credit line reporting will surely bring that score into the mid 700s. I am ecstatic and double ecstatic to get some long needed work done before the holidays. Again, thanks to the forum and the constant support and advice...just a few months ago I couldn't even think of applying for anything without holding my head down.....so hang in there my sweeties!!!

 

 *hugs and high fives all around*

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
Moderator
Shogun
Posts: 12,884
Registered: ‎04-15-2011

Re: CareCredit Approval..in shock but oh the benefits of a good score ;_)

Congrats!!!!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
Epcot
Posts: 2,777
Registered: ‎10-10-2012

Re: CareCredit Approval..in shock but oh the benefits of a good score ;_)

Congrats! So what's your CL?

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012

Re: CareCredit Approval..in shock but oh the benefits of a good score ;_)

You can't tease us with that and not include the CL!

 

Congrats on the new account!

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Contributor
Sitori
Posts: 268
Registered: ‎10-25-2012

Re: CareCredit Approval..in shock but oh the benefits of a good score ;_)

thats what im sayin!!!Whats the details!

 

I need to apply in the begging of the year and im scared!  I got denied back in August but I had no credit history at all. I'm hoping I will get approved this time. I just found out my FICO TU score is 700 so I HOPE they pull TU.  Do you know what they pulled for you? I heard they usually pull EQ but sometimes TU. I have SO many inq's on my EQ. lol. I hope they dont see that and nix me.

 

What's your CL????!  I need atleast 5k but I think im going to apply for more just incase lol.


-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Regular Contributor
beautybrainsbooty
Posts: 212
Registered: ‎08-02-2012

Re: CareCredit Approval..in shock but oh the benefits of a good score ;_)

Oh was that a tease?? 3K approval!!! I was hoping for 1500.

 

my score is knocking at 690 on TU because of recent inquiries, new accounts etc over the past months. I also have a small collection reporting on TU from about 2 years ago. BUT I have flawless, and i mean flawless payment history (I pay in full usually and/or down to minimal balances) on all cards and auto loans etc. Utilization is way low also until next month. I actually had to unlock it for them to run it-it was soooo worth it.  Oh, my walmart card I take ultra good care of, pay early and pay in full....its issued by GE. Maybe get that first???

 

I believe GE only pulls TU. I do hope this helps!!!!

started mid 500's. Disputed incorrect items and within a month or two my scores have skyrocketed and continue to do so
EQ: 755 as of 8/2013
TU: 700
Experian(or as I call them, the devil) I have no clue, they haven't released my report
Goal=801 across the board!!! Not too far from this, hoping to garden until Christmas 2013
Valued Contributor
Epcot
Posts: 2,777
Registered: ‎10-10-2012

Re: CareCredit Approval..in shock but oh the benefits of a good score ;_)

Nice CL, that's great! :smileyhappy:

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: CareCredit Approval..in shock but oh the benefits of a good score ;_)

Congrats

New Contributor
Redissochi
Posts: 72
Registered: ‎01-06-2012

Re: CareCredit Approval..in shock but oh the benefits of a good score ;_)

Care credit is an awesome card to have. I apped for it and got 5k right off the top(and I was rebuilding at the time) and then 3 months later got a CLI to 10k. Then In july I toyed around with the idea of getting my boobs done :womanlol: so I requested another CLI and they bumped me to $13,200. I love this card!


Starting Score: 624
Current Score: 710(MYFICO 06/10/2013) Experian: 705 (Pulled from Bank of America while applying for an auto loan 5/2013)Goal Score: 800 Club

Take the FICO Fitness Challenge
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010

Re: CareCredit Approval..in shock but oh the benefits of a good score ;_)

Congrats on the nice approval! :smileyvery-happy:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k

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