Woot! Exciting day lol.
MyFico scores:
Equ: 694
Trans: 688
So I applied for a Discover IT Card last night had an instant aproval.
Accordingly from the app my apr is 12.99%
I just called earlier today, asking for my line limit (thanks LS2982 for the tip from didnt think of calling myself... lol)
I got $2,000 Credit Line.
Didnt think of asking if they knew which report was pulled but if I get a confirmation regarding that though mail later I'm happy w\ what I know already and can be patcient for that last piece of info.
Overall I'm pretty happy about it. Feel like, I'm moving up in the world of credit.
Little Over two years ago, I had applied for an Orchard Bank Card while doing very little research, not that theres anything wrong with the card never have had problems with it to date. I applied do to limited / no credit history.
and I recieved
Orchard Bank Gold Mastercard
$320 Limit ($79 annual fee)
14.90% APR
To me it seemed like a decent starter card but not one that I believe would really grow with me. Orchard Bank as far as I'm aware didnt accept CLI for along time not sure about now though they are in the movement to Cap One.
6 - 7 months ago
First Commonwealth Approved me for a Credit Line of $2,500, which i had got for home projects.
Also I can't forget my Auto Loan I'm sure paying that the last 4 years with on time payments has been helping me out.
4 years original loan - refincaned at the mid point of 2years (as cosigner cause of some backwords thing they did when the loan itself was wrote up...)
2 years w\ refinanced in my name alone (3 payments left!)
And now this card!
______________________________
MyFico (Oct 8, 2013):
Experion: 701 -- Equifax: 705 -- TransUnion: 717
Discover IT: $2,650 -- Capital One Platinum $1K -- Cap One QuickSilver $3K -- Chase Freedom $3K
