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A few approvals.. Baby Steps!

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fltireguy
Valued Contributor

A few approvals.. Baby Steps!

After many years of my credit being in the toilet, (Foreclosure, BK,Medical Bills, etc..) my rebuilding over the past year is actually starting to show results.!

I had a  few approvals over the past month!

BP store card $700

Amazon store card $1000

Overstock $1000 via SCT then hit the LUV button for a $200 CLI = $1200

Kohls $300 (Thought I was denied, and then, 3 weeks later, the card shows up in the mail)

Capital One QS1 $500 ( iad a secured card that I closed when I opened this)

CareCredit $1000

Firestone/CFNA $700

 

It seems that once my TU hit 630, the doors started to open very slightly for Sync...

Now, I just need to let these grow for a year or so, while my scores come up...!

My scores are 610 EQ, 635 TU, 627 EX. BK from 2010 showing, 2 chargeoffs, no collections..

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 1 of 12
11 REPLIES 11
MrsCHX
Valued Contributor

Re: A few approvals.. Baby Steps!

Nice work!

 

You'll be in the 700 club in no time!

NFCU: $25,000; PenFed Power Cash Rewards: $3,500; PenFed Gold: $2,500; Capital One: $2,300; Nordstrom Visa: $2,000; Credit One: $1,250
Amazon: 800; Kohls: $1,500
Message 2 of 12
mzgg09
Regular Contributor

Re: A few approvals.. Baby Steps!

Congrats!
Experian 750 Equifax 750 Transunion 753
Message 3 of 12
Anonymous
Not applicable

Re: A few approvals.. Baby Steps!

Well done. Use your cards well and watch your score improve.

Message 4 of 12
RonM21
Valued Contributor

Re: A few approvals.. Baby Steps!

Congrats on the approvals!


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 5 of 12
mrcrisp023
Frequent Contributor

Re: A few approvals.. Baby Steps!

Congrats!
Capital One SavorOne: $3000 / Bank of America Unlimited Cash Rewards Visa Signature: $500 / Mission Lane: $1500 / Merrick: $2000 / CreditOne Amex: $850

Starting 09/2022 MyFico 08: EQ 648 / TU 659 / EX 644
Current MyFico 08: EQ 665 / TU 670 / EX 670

2024 EOY Goal: 750
Message 6 of 12
creditguy
Valued Contributor

Re: A few approvals.. Baby Steps!

Congrats on your approvals and your progress upwards and onwards from here.

Message 7 of 12
Anonymous
Not applicable

Re: A few approvals.. Baby Steps!

Congratulations.

Message 8 of 12
Anonymous
Not applicable

Re: A few approvals.. Baby Steps!

Congratulations, fitireguy! Smiley Happy

Message 9 of 12
KSK1912
Valued Contributor

Re: A few approvals.. Baby Steps!


@fltireguy wrote:

After many years of my credit being in the toilet, (Foreclosure, BK,Medical Bills, etc..) my rebuilding over the past year is actually starting to show results.!

I had a  few approvals over the past month!

BP store card $700

Amazon store card $1000

Overstock $1000 via SCT then hit the LUV button for a $200 CLI = $1200

Kohls $300 (Thought I was denied, and then, 3 weeks later, the card shows up in the mail)

Capital One QS1 $500 ( iad a secured card that I closed when I opened this)

CareCredit $1000

Firestone/CFNA $700

 

It seems that once my TU hit 630, the doors started to open very slightly for Sync...

Now, I just need to let these grow for a year or so, while my scores come up...!

My scores are 610 EQ, 635 TU, 627 EX. BK from 2010 showing, 2 chargeoffs, no collections..


Great work fltireguy,

never give up and lose hope. Last year June i was in the same place as my credit, in less than a year i cam from a $500 secured card to $65K in unsecured credit. Let these accounts age, get some cli's and watch your scores go up. You will get where you deserve to be before you know it. 


6/14/15: Equifax 576 Experian 542 Transunion 571
8/17/15: Equifax 626 Experian 619 Transunion 622
9/28/15: Equifax 655 Experian 636 Transunion 641
11/11/15: Equifax 698 Experian 687 Transunion 672
Short Term Goal Score: 720 Across the board


Take the myFICO Fitness Challenge


Are you free Tuesday..?
Message 10 of 12
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