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Contributor
Posts: 88
Registered: ‎06-13-2012
0

Capital One Success!!!

Hello MyFico family! I know it's been a minute since my last post or response but business has been keeping me pretty busy (a great thing). Anyway, to make a long story short I just thought I'd share with you some good news about me being approved for a Capital One Spark Classic Business Credit Card!!! Smiley Very Happy Smiley Very Happy Smiley Very Happy Seeing as though a year and a half ago I couldn't get approved for a prepaid card (joke), to reach the point where over the last couple of months I've had an overwhelming amount pre-approval letters is to say the least...  Smiley Very Happy Smiley Very Happy Smiley Very Happy Also I'd like to mention that with the help of this forum, some patience, and a few dollars, I've managed to take my score from down in the dumps to a 728 and 748!!! Smiley Very Happy Smiley Very Happy Smiley Very Happy So with that I'd like to say thanks to everyone who's ever given me an encouraging word or a piece of advice that has help me get here. It's greatly appreciated and I hope that I can be just as big a help to someone else as everyone has been to me. Thank you, thank you thank you!!! 

11/16/12: TU - 728 EX - ??? EQ - 748 FICO

In my wallet: Capital One No Hassle Cash Rewards Master Card (500), Orchard Bank Classic Visa (500), Best Buy Rewards Zone Master Card (300), Walmart Credit Card (1000), Paypal Smart Connect Card (1500), Academy Sports & Outdoors Visa (AU) (10,000)
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Capital One Success!!!

That's great, Congrats on the approval!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Contributor
Posts: 88
Registered: ‎06-13-2012
0

Re: Capital One Success!!!

Thanks Epcot, I appreciate it.

11/16/12: TU - 728 EX - ??? EQ - 748 FICO

In my wallet: Capital One No Hassle Cash Rewards Master Card (500), Orchard Bank Classic Visa (500), Best Buy Rewards Zone Master Card (300), Walmart Credit Card (1000), Paypal Smart Connect Card (1500), Academy Sports & Outdoors Visa (AU) (10,000)
Established Member
Posts: 21
Registered: ‎09-19-2012
0

Re: Capital One Success!!!

Way to go, your progress is really impressive. How did you raise your score so quickly?

Gardening until November 2013
TU 635 (myfico) Sept 2012; 642 (myfico) July 2013
EX 655 (FAKO) Nov 2012;
EQ 548 (FAKO) Nov 2012; 603 (myfico) July 2013
Goal 750 for ALL
Valued Contributor
Posts: 1,115
Registered: ‎10-31-2011
0

Re: Capital One Success!!!

WTG!!! congrats

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Established Contributor
Posts: 921
Registered: ‎12-10-2011
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Re: Capital One Success!!!

Much CongratsSmiley Surprised


Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800

If your outGo is more than your INcome than your UpKeep will become your downFALL.

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Contributor
Posts: 88
Registered: ‎06-13-2012
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Re: Capital One Success!!!

@postalmommy The main thing I focused on was getting all of my baddies completely deleted, then I basically used the couple of credit cards I did have for ALL of my spending and PIF before the month was out basically showing card usage, but keeping the utilization between zero and five percent. Also, I was lucky enough to be an authorized user on a few cards with limits that total about 20k. But if I had to pin point anything, I'd say aggressive use of my cards then PIF and getting my baddies completely erased from my reports did it. 

 

11/16/12: TU - 728 EX - ??? EQ - 748 FICO

In my wallet: Capital One No Hassle Cash Rewards Master Card (500), Orchard Bank Classic Visa (500), Best Buy Rewards Zone Master Card (300), Walmart Credit Card (1000), Paypal Smart Connect Card (1500), Academy Sports & Outdoors Visa (AU) (10,000)
Established Member
Posts: 21
Registered: ‎09-19-2012
0

Re: Capital One Success!!!

So you did some PFD and GW letters?

Gardening until November 2013
TU 635 (myfico) Sept 2012; 642 (myfico) July 2013
EX 655 (FAKO) Nov 2012;
EQ 548 (FAKO) Nov 2012; 603 (myfico) July 2013
Goal 750 for ALL
Contributor
Posts: 88
Registered: ‎06-13-2012
0

Re: Capital One Success!!!

@beb86 @JusdoNit Thanks guy, I couldn't have don't it without you. 

11/16/12: TU - 728 EX - ??? EQ - 748 FICO

In my wallet: Capital One No Hassle Cash Rewards Master Card (500), Orchard Bank Classic Visa (500), Best Buy Rewards Zone Master Card (300), Walmart Credit Card (1000), Paypal Smart Connect Card (1500), Academy Sports & Outdoors Visa (AU) (10,000)
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Contributor
Posts: 88
Registered: ‎06-13-2012
0

Re: Capital One Success!!!

@postalmommy Just PFD's. Fortunately for me I didn't have any trouble negotiotiating a deletion once we came to an agreement. I have a couple of older baddies that i'd previously paid but were just reporting still that I thought would be difficult to remove, but it ended up working out. The hardest part for me was having the patience to deal with the looong phone call waits but in the end it was worth it.

 

11/16/12: TU - 728 EX - ??? EQ - 748 FICO

In my wallet: Capital One No Hassle Cash Rewards Master Card (500), Orchard Bank Classic Visa (500), Best Buy Rewards Zone Master Card (300), Walmart Credit Card (1000), Paypal Smart Connect Card (1500), Academy Sports & Outdoors Visa (AU) (10,000)
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