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New Contributor
Posts: 52
Registered: ‎06-14-2012
0

Dad's 3,000 Cap1 Credit Steps CLI

So I've been rebuilding my credit for a bit and decided to help my dad. We both applied for Cap1 cards and both got approved. I was approved for 750 and he was approved for 500. When our credit steps cli kicked in I got bumped up to 1250 and he got bumped up to 3500!!! A bit jealous but happy for him.

 

Difference is I filed for Ch. 7 bankruptcy late 2011, and his credit file was empty.


Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board


Take the FICO Fitness Challenge

Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)
Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Dad's 3,000 Cap1 Credit Steps CLI

Cap One will do that especially you both have two totally different profiles. Congrats on the increases!


$100K in Credit
Last Credit Card App: 11/16/13
Regular Contributor
Posts: 157
Registered: ‎05-01-2008
0

Re: Dad's 3,000 Cap1 Credit Steps CLI

Good for you and your dad! Great to see some love being passed around

Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: Dad's 3,000 Cap1 Credit Steps CLI

Wow that is a really nice jump without the Executive Office. Congrats!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Dad's 3,000 Cap1 Credit Steps CLI

+1

Valued Contributor
Posts: 1,751
Registered: ‎03-23-2012
0

Re: Dad's 3,000 Cap1 Credit Steps CLI

My DH got the Green Rewards card last June with 2k limit. C1 sent a letter saying he would get a $500 increase after 6 months. In December, I checked his account and found that they increased his limit to 4k. A great Christmas present.
AmEx Green NPSL | Amex BCP 16K | Citi Simplicity 10k | Discover IT 9K | Chase Slate 7.5K | Amex Hilton HHonors Surpass 7K | Capital One QuickSilver 6K | Home Depot 5k | Chase Freedom 4.5K | LOC 2.5K
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: Dad's 3,000 Cap1 Credit Steps CLI

Wow! That is super nice! I'm jealous! They said $500 added to my $2000 and I checked and it was $2500...Boo!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Valued Contributor
Posts: 1,751
Registered: ‎03-23-2012
0

Re: Dad's 3,000 Cap1 Credit Steps CLI

It was hilarious....my DH thought they had screwed up his account.

OP, didn't mean to thread jack! Congrats to you and your Dad!!!
AmEx Green NPSL | Amex BCP 16K | Citi Simplicity 10k | Discover IT 9K | Chase Slate 7.5K | Amex Hilton HHonors Surpass 7K | Capital One QuickSilver 6K | Home Depot 5k | Chase Freedom 4.5K | LOC 2.5K
New Contributor
Posts: 52
Registered: ‎06-14-2012
0

Re: Dad's 3,000 Cap1 Credit Steps CLI

Not a problem!

 

I just heard from my dad, he tells me he received an invitation for an Amex green. Guess I am putting him in the right direction.


Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board


Take the FICO Fitness Challenge

Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)
Frequent Contributor
Posts: 364
Registered: ‎10-25-2012
0

Re: Dad's 3,000 Cap1 Credit Steps CLI

Just curious when you got your credit step letter when you first got the card is that the limits they said they would go up to ? Or did they give him more ?
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