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Valued Contributor
Posts: 2,402
Registered: ‎03-28-2017

Re: Let's start a barely made it in thread

Blackswizz750 wrote:
I started actively rebuilding my credit in January 2016. I started my credit karma account and applied to cap1 getting the QS1 and Feb , the platinum; both at 500 and my scores were late 500's across the board with later, collections, and three judgements.

Be aware that Credit Karma is not a FICO score, it's a "FAKO" score.  It doesn't mean anything.


You can get your REAL FICO08 scores with the $1 trial at CCT (cancel in a week).

FICO8 3/17 550EX, 570TU, 559EQ
FICO8 10/17 710EX, 693TU, 717EQ -- almost 700 club!
Regular Contributor
Posts: 160
Registered: ‎08-15-2016

Re: Let's start a barely made it in thread

Barely approved for Amex Everyday in Feb 2017 with an Experian FICO 8 score in the 636-640 range. $500 limit, plenty of inquiries and baddies on report. 3rd statement just cut, looking forward to the 5th statement-due for an auto CLI by then if monthly payments are made on time within the first 5-6 statements.


Barely approved for Synch CCs in Nov 2016 with a 636-640 Transunion FICO 8 score: Walmart ($300), Amazon ($700), and Belk ($300). 2 months later, limits were increased to: Walmart ($3500), Amazon ($3500), and Belk ($5000). Scores inched up a little, but only by a few points within the 2 months.


I've been barely approved for all my cards, honestly, with the exception of NFCU.


Starting Score:6/8/16: EX 585, TU 551, EQ 574
Current Score: 9/6/17: EX 681, TU 687, EQ 690
Goal Score: 700

New Contributor
Posts: 107
Registered: ‎05-02-2017

Re: Let's start a barely made it in thread

Approved for a 300 secured us bank card.

EQ 526
Tu 577
EX 590

Based on how hard I hear it is that was a squeeze. Originally got 7 to 10 day but was approved with out calling
Frequent Contributor
Posts: 337
Registered: ‎08-07-2009

Re: Let's start a barely made it in thread

Well, that was the story of my life until i decided to take control and improve my score and change my habits. Back i 2015 I received a pre approval letter for a CC. That was the first time that had happened ever! I was always in the negative. I was sitting at a score of about 580. I applied and boom to my surprise I was approved for 750. Oh men I stil remember the day, I was at night and my family were all sleeping I was in shock in couldnt believe it. Back in 06 I had target cc SL 300 but it got charged off for exesive payments. LOL and a Sears that got closed in 2007 for the same reason. Im still rebuilding but now at 712 TU fico.

Valued Contributor
Posts: 1,617
Registered: ‎07-22-2015

Re: Let's start a barely made it in thread

I feel I'm a member of the barely making it club. I sit in the 690's. Not moving. Rebuilder from the catastrophe that was 2014.

I've somehow attained and maintain a relationship with companies I never thought I'd be able to Foster a business relationship with.

I have a pif collection due to delete in 2021 on TU and EX from US Bank CC. 60 day auto late pay all 3. This year I might clear 700 on EQ. Fingers crossed.

2021 is gonna be AWESOME.

I keep an Excel file on my cards. I'm constantly learning how to manage my portfolio and point accruals.

I've been keeping a low profile. Y'all call it gardening. I'm just the credit devil. Scores in 690's and majority of limits at $6k. Ha. 6 is my credit number.

Pretty boring, but I surf and just read numerous sites on credit and finance in my spare time. Smiley Wink
Starting Score: (8/15) EQ08 592 TU08 572 EX08 600
Current Score: (10/17) EQ08 693TU08 700 EX08 695
I flew for free and it was glorious. Nxt trip, 1st Class overseas. ETA 5/2018. My Butter is in the Freezer till July 2018.
New Contributor
Posts: 107
Registered: ‎05-02-2017
0 Kudos

Re: Let's start a barely made it in thread

Yea 2020 is going to be awesome for me!!!!

Regular Contributor
Posts: 118
Registered: ‎10-29-2016

Re: Let's start a barely made it in thread

My barely made it CC is the AMEX ED... my scores at the time was in the 690's.. maybe 3 student loan negs.... I've attempted a couple of 3X but all denied. The score is up and the CR is squeaky clean. I'll sock drawer it until next year.  My next lowest was the Promise from Penfed. Nexgen was i think 740 with maybe 5 negs. My $1000 SL wouldnt budge on recon. I decided since they were hell bent against it, i'd wait 1 year. That report is also now squeaky clean.

Valued Contributor
Posts: 2,071
Registered: ‎03-03-2015

Re: Let's start a barely made it in thread

mrldp40 wrote:
While I pleased to hear about ppl with great credit getting large limits and increase and they definitely deserve it and should be proud. I'd like to heard my stories of pplon the edge that just made it in there a thread about a person with scores around 560 I believe getting 7300 from Navy .are the anymore stories out there like this ?

With an EX score over 700, I only got a $500 limit on my Amex ED, and a $1K limit on my Amex BCE. Never had Amex before, and have tons of cards with other lenders with much higher limits. Utilization and inquiries were very low at the time I apped, so really have no idea what they don't like about me. 

Starting scores: 552 EQ, 570 TU, 558 EX Current scores (9/29/17): 746 EQ 721 TU 719 EX
Valued Contributor
Posts: 1,794
Registered: ‎06-13-2016

Re: Let's start a barely made it in thread

Barely approved for Chase Amazon Visa Signature for $500 w/687 Bankcard score and a young BK. I had to call cuz I had some 'splaining to do.😀
Current Scores------ EQ 681; TU 652; EX 689 FICO 08---------------- Gardening until "Winter is Over"
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

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Established Contributor
Posts: 581
Registered: ‎04-26-2010
0 Kudos

Re: Let's start a barely made it in thread

I was barely approved for all of my cards. Back in 2014 I  was approved for a Cap 1 Secured which lead a year later to:


$500 Cap1 QS1

$500 Cap 1 Plat

$100 Macy's (called verified ID and it went to $600)

$100 American Eagle

$300 Fully Secured BOA

$250 VS

$250  Abercrombie

$250  Old Navy


Yes...ths was an awful App Spree


Shorlly thereafter -


$300 Banana Republic - which was just reduced to $200






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