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Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013

Re: Compass Approved!! oh... wait on hold please.... AHHH Clear points CC


09Lexie wrote:
You forgot about your anniversary and the new Kay's card. 😏

Dang! I forgot about that one :smileyfrustrated:

 

hehehe

 

Compass, and then one more (Amex Green or Chase Freedom) to retire to my mexican beach and garden for like a year or more!

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Moderator
09Lexie
Posts: 24,456
Registered: ‎09-13-2012

Re: Compass Approved!! oh... wait on hold please.... AHHH Clear points CC

Like I said before, imo you needed to stop when you were told you opened too many accounts this year. You have accumulated quite a few cc's and if I can remember quite a few inq's too. It takes patience and time to grow a healthy credit profile - a worthy one is not done overnight.

Just my .02.
Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013

Re: Compass Approved!! oh... wait on hold please.... AHHH Clear points CC


09Lexie wrote:
Like I said before, imo you needed to stop when you were told you opened too many accounts this year. You have accumulated quite a few cc's and if I can remember quite a few inq's too. It takes patience and time to grow a healthy credit profile - a worthy one is not done overnight.

Just my .02.

I understand, dont take me wrong. out of the 9 they quoted me, 2 are the same auto loan refi'd. 1 is a gas card, wally, jc my two pennies, amazon, paypal and a crappy one. (Kay's and Discover havent report yet) out of them the only one reports a balance is wally, all the rest I use them and then PIF. that has bring me many CLI in all of them, but the citi gas card. All these card are my base card to grow in my whole year of serious gardening.

 

Thanks for the advice!

 

 

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Moderator
09Lexie
Posts: 24,456
Registered: ‎09-13-2012

Re: Compass Approved!! oh... wait on hold please.... AHHH Clear points CC

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Compass Approved!! oh... wait on hold please.... AHHH Clear points CC


09Lexie wrote:
Like I said before, imo you needed to stop when you were told you opened too many accounts this year. You have accumulated quite a few cc's and if I can remember quite a few inq's too. It takes patience and time to grow a healthy credit profile - a worthy one is not done overnight.

Just my .02.

Sometimes you have to learn the hard way and regret it later :smileyhappy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013

Re: Compass Approved!! oh... wait on hold please.... AHHH Clear points CC

I Called back today and the lady said without any enthusiasm. It looks like you got approved, for $5000!!

 

My biggest CL ever! 

 

This was my last app on Sunday, yeah they took a whole week for a desicion. Now I will happily stay in the Garden for a loooonnng time :smileyhappy:

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Regular Contributor
IECredit
Posts: 208
Registered: ‎07-15-2012

Re: UPDATE! Compass Approved!! YES I DID Clear points CC

Nice CL! Now hit that Garden and let those cards age:smileyhappy:

Current Score:TU 717(Walmart 1/9/14) / EQ 766(DCU Monthly 1/28/14) EX Fico 723(MyFico 9/15/13)
Goal Score: All above 800
Wallet: DCU Plat. $10,000 | Logix 10,000 | Chase Freedom $1,000 | Discover $3,600 | WalMart $3,500 | Paypal MC $4,000 | Cap 1 QuickSliver $6,000 | Barclay NFL $3,400 | Best Buy $1,000 | Cap 1 Venture $4,000 | IN THE GARDEN(5/6/13)
10 Accounts $46,500 Revolving
Moderator
09Lexie
Posts: 24,456
Registered: ‎09-13-2012

Re: UPDATE! Compass Approved!! YES I DID Clear points CC

Congrats! I tagging you with a chip! Forget the ankle monitor. Lol
Established Contributor
BrokaToe
Posts: 726
Registered: ‎05-12-2012

Re: Compass Approved!! oh... wait on hold please.... AHHH Clear points CC

Congrats! Nice CL :smileyhappy:


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Established Contributor
zerobacan
Posts: 726
Registered: ‎01-13-2013

Re: UPDATE! Compass Approved!! YES I DID Clear points CC


09Lexie wrote:
Congrats! I tagging you with a chip! Forget the ankle monitor. Lol

I will need more than will power to stay inside for the first month!!!

Amex PRG NPSL, Amex Delta 2k (AU) Discover iT 5k, BOFA Siggy $5k, BOFA AlaskaAir Siggy 5k, BBVA Compass $5k! Macy's $4.5k, C1 $2.5, SFCU $2.5k, SFCU LOC $2k, Paypal SmartC $4k, Sam's 5.5k Victoria Secret $2k, Kay's $1.7k.,76/Citi $1.5k Amazon $5k, Walmart Disco $3k JC Penny $4k, C1 $2.5, BBRZ 700.
Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.

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