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New Contributor
Credit_Me
Posts: 52
Registered: ‎06-14-2012

Dad's 3,000 Cap1 Credit Steps CLI

So I've been rebuilding my credit for a bit and decided to help my dad. We both applied for Cap1 cards and both got approved. I was approved for 750 and he was approved for 500. When our credit steps cli kicked in I got bumped up to 1250 and he got bumped up to 3500!!! A bit jealous but happy for him.

 

Difference is I filed for Ch. 7 bankruptcy late 2011, and his credit file was empty.


Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board


Take the FICO Fitness Challenge

Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)
Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

Re: Dad's 3,000 Cap1 Credit Steps CLI

Cap One will do that especially you both have two totally different profiles. Congrats on the increases!


$100K in Credit
Last Credit Card App: 11/16/13
Regular Contributor
Kartel34
Posts: 157
Registered: ‎05-01-2008

Re: Dad's 3,000 Cap1 Credit Steps CLI

Good for you and your dad! Great to see some love being passed around

Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: Dad's 3,000 Cap1 Credit Steps CLI

Wow that is a really nice jump without the Executive Office. Congrats!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: Dad's 3,000 Cap1 Credit Steps CLI

+1

Frequent Contributor
frugalQ
Posts: 479
Registered: ‎03-23-2012

Re: Dad's 3,000 Cap1 Credit Steps CLI

My DH got the Green Rewards card last June with 2k limit. C1 sent a letter saying he would get a $500 increase after 6 months. In December, I checked his account and found that they increased his limit to 4k. A great Christmas present.
Capital One Platinum 0/2.5K - AmEx Green NPSL - Amex Hilton HHonors Surpass 0/7K - Amex BCP 0/8.5K - Chase Freedom 0/3K - Discover IT 0/6.5K - LOC 0/2.5K
Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: Dad's 3,000 Cap1 Credit Steps CLI

Wow! That is super nice! I'm jealous! They said $500 added to my $2000 and I checked and it was $2500...Boo!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Frequent Contributor
frugalQ
Posts: 479
Registered: ‎03-23-2012

Re: Dad's 3,000 Cap1 Credit Steps CLI

It was hilarious....my DH thought they had screwed up his account.

OP, didn't mean to thread jack! Congrats to you and your Dad!!!
Capital One Platinum 0/2.5K - AmEx Green NPSL - Amex Hilton HHonors Surpass 0/7K - Amex BCP 0/8.5K - Chase Freedom 0/3K - Discover IT 0/6.5K - LOC 0/2.5K
New Contributor
Credit_Me
Posts: 52
Registered: ‎06-14-2012

Re: Dad's 3,000 Cap1 Credit Steps CLI

Not a problem!

 

I just heard from my dad, he tells me he received an invitation for an Amex green. Guess I am putting him in the right direction.


Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board


Take the FICO Fitness Challenge

Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)
Frequent Contributor
twall06
Posts: 339
Registered: ‎10-25-2012

Re: Dad's 3,000 Cap1 Credit Steps CLI

Just curious when you got your credit step letter when you first got the card is that the limits they said they would go up to ? Or did they give him more ?

STARTED MYFICO TU 569 EQ 618 1-30-13
CURRENT MYFICO TU 664 EQ 656 Ex ? 3-13-14
MERRICK BANK FICO 539 12-26-12 / 649 2-17-14
GOAL 680+ last ap 5-30-14

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