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New Member
Posts: 120
Registered: ‎05-14-2013

Re: From 0 to prime in 15 months

Congratulations buddy!!

Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012

Re: From 0 to prime in 15 months

Welcome to the forum! Congratulations on your recent credit success and obtaining credit through patience, research and educating yourself.

I'm sure that home purchase is in your future!
Community Leader
Senior Contributor
Posts: 30,826
Registered: ‎02-07-2013

Re: From 0 to prime in 15 months

Welcome to the forum


Eastside like so many others who found this site by chance and the knowledge just reached out and captivated them into wanting more and more.


It's post like yours that will inspire another viewer / lurker into joining MyFico forum for the priceless free information that's shared by each and every individual here.

I remember an old saying  "each one teach one"  to me that's the foundation this site was built on, which is why it's so successful ....not to mention we are just one big friendly, respectful family.


Today someone will read your post and join the MyFico family.

I think that just about says it all:smileywink:

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Posts: 28
Registered: ‎05-16-2013

Re: From 0 to prime in 15 months

Thank you all for your positive comments.  I hope by this time next year I'll be signing a new mortgage instead of another lease. 


I plan on closing my Cap1 secured card before the AF comes due next year.  The card really has no future and it's served it's purpose.  My platinum is only a few months newer, so average age shouldn't be a concern.  Plus I need to keep my DTI to a minimum.  I will attempt the EO route for the platinum though.

Established Contributor
Posts: 904
Registered: ‎12-09-2012

Re: From 0 to prime in 15 months


12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
7/31/16 TU 710 ~ EQ 699~ Ex 705
My Wallet: Cap1 3,500K ~FH 2950 Credit One 1800~Credit one #2 1500.00~Orchard Bank 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 11K ~Care Credit 4,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 3/17)
Valued Contributor
Posts: 1,250
Registered: ‎02-03-2013

Re: From 0 to prime in 15 months

Congrats and best of luckSmiley Wink

Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013

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