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Holiday App Spree Sucess!

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Chaos122
Regular Contributor

Holiday App Spree Sucess!

Just got out of the garden a couple days ago (Ive had everything frozen for over a year) and I figured its time for an app spree.

 

I went into the garden because I had too many inquiries and new accounts, and now they have all aged off so game on!.

 

GE Walmart-- CLI to 10K Via SP

Penfed-- Approved for 6K HP on EQ (instant)

Local CU-- Approved for 5K HP on EQ (instant)

SDFCU--  Approved for 10K HP on EX (Instant after income proof)

Prosper-- Approved for 10K Loan at 7.9%

Wells fargo-- Approved for Loan at 12% (But I turned it down in favor of prosper)

 

 

All and all this was a very successful spree,  I think I have like 2 or 3 inquiries per report now and it wil end up being 4 new accounts.  Wanted to go for Chase CSP or Alliant, but I dont want to over do it, 4 new accounts is more than enough any more might spook current creditors.  So back in the garden untill next November when I will tackle Chase and Alliant.

 

Thanks for the great advice and support, I never thought gardening would make this much difference but it really worked!

 

 

 


Starting Score: TU 608, Eq 618
Current Score: TU 797 Eq 792, Ex 805 (psecu)
Goal Score: 840 across the board


Take the FICO Fitness Challenge
Message 1 of 7
6 REPLIES 6
dap1984va
New Contributor

Re: Holiday App Spree Sucess!

well done, a year of gardening to a succesful app spree..life cant get any better. So all it took was 12months to wipe your inquiries to 0?

Message 2 of 7
yudeology101
Senior Contributor

Re: Holiday App Spree Sucess!

Congratulations!! 

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 3 of 7
Chaos122
Regular Contributor

Re: Holiday App Spree Sucess!

Thanks, Yeah it took about 13 months to get all my inquiries off.  I still had like 2 on transunion but they are over a year old so didnt hurt me.

 

 


Starting Score: TU 608, Eq 618
Current Score: TU 797 Eq 792, Ex 805 (psecu)
Goal Score: 840 across the board


Take the FICO Fitness Challenge
Message 4 of 7
myjourney
Super Contributor

Re: Holiday App Spree Sucess!

Congrats nice spree

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 5 of 7
tray
Valued Contributor

Re: Holiday App Spree Sucess!

Congrats nice accounts....


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 6 of 7
coldnmn
Mega Contributor

Re: Holiday App Spree Sucess!

Congrats!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 7 of 7
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