App Spree and 57 Point FICO Increase

[Anonymous]

Oh btw, the FAKO installment bump?

Not 15 pts.

Credit Karma TU +43, EQ +37 !!!

Curious to see what real FICO does...

[Anonymous]

Recon Update #4

Called Capital One to see if I could get the 150 bonus from conversion of my Plat to QS if soent 500 in next 90 days.

No.

[Anonymous]

Recon Update #4

Called Capital One to see if I could get the 150 bonus from conversion of my Plat to QS if spent 500 in next 90 days.

No, only for new apps not PC.

[Anonymous]

Recon Update #5

Last two cards arrived.

Santander Ultimate Cash Rewards MC. 2000 SL.
Target RedCard. 500 SL.

Total CL: 19550

BOA Cash rewards 321 will wait until July when my file will have better chance of qualifying for the unsecured card and 150 bonus.

Plan then will be to apply every 4 months for a cash bonus card with 150/500/90 days or similar.

Meet the spend, get bonus, repeat.

Daily cards are Chase Freedom, Walmart grocery the quarter, and BCE for 2% gasoline rewards.

Rest are in the sock drawer except for one small charge each statement cycle and PIF.

Current utilization is 2.5%

Spree complete, all cards in hand, gardening until July 1st.

[Anonymous]

All cards have a small, $15, charge on each

I will let them all report these balances to CRA on 1st statement, then pif all to zero, then all will report 0 on 2nd statement except one at 1.99% total util.

[Gidgetmom]

Great job.  You showed patience in your plan and succeeded!  It appears that time is the only thing your profile needs.

[Anonymous]

Next goal is track the Freedom and Santander and make sure I qualify for the 150 and 100 bonus each.

[Anonymous]

Now that's a spree congratulations! Dv

[Anonymous]

TU 680
EQ 670
EX 651

My new balances and accounts are beginning to report to CRA.

TU reports total of all balances increased NN
EQ reports that one card amount increased NN, and balance of that card went up MM%
EX reports that balance on one card increased MM%

[Anonymous]

My Experian score will be 629 after the next 5 cards report!