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Regular Contributor
Posts: 120
Registered: ‎01-22-2013
0

GECRB - Approved !

I started working on my rebuilding my credit  in Mid January'13. I have had some baddies and inaccuracies removed from my CRs. 

I was itchy to apply for Walmart CC (to get free TU08 and get TL in good standing). Also looked at Amazon. First applied for Amazon, gave me a $400.00 CL, then the same night I pulled the trigger on Walmart, approved $150.00 CL. Thank you GECRB.

I will now garden this cards or will use less than 10%, to have them report next month, hopefully a good increase on my scores by the end of March'13.

I've heard that Walmart may be recon'ed to have CL increased, is it true ? Should I wait for an auto CL in a few months ?



CURRENT TLS:

AMAZON $2K/ WALMART $2K /DCU $3K DELTA AMEX $1K
DISCOVER $1.2K/ PAYPALEXT $2K /COSTCOTU $1.2K

UPDATED 8/1
EQ
8/1/13 EQ 694 - (myfico) -
7/26/13 EQ 694 - (DCU)
9/10 EQ 701 - (myfico)

EX
9/8 - EX 707 (usaa/EX)

TU
6/18 TU 690 (myfico)
7/2 TU 694 (Walmart)
8/8 TU 676 (Walmart)
9/6 TU 676 (Walmart)
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
0

Re: GECRB - Approved !

Congrats on your new cards!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Contributor
Posts: 142
Registered: ‎01-15-2013
0

Re: GECRB - Approved !

[ Edited ]

Walmart can grow very fast. I would try for a 10x 3x increase after a couple 4 months.



I'll be in the garden... FICO Score | TU-08: 732 in May 2013
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: GECRB - Approved !

Congrats on your progress so far and the approvals! Treat GE well and they are very good with CLI. Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: GECRB - Approved !

CONGRATS!!!

GE is the best, youll find out soon!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 1,927
Registered: ‎06-21-2012
0

Re: GECRB - Approved !


londonhogfan wrote:

Walmart can grow very fast. I would try for a 10x increase after a couple months.


yeah, they won't grow that fast....especially with a initial CL of $150. I would try for $450 and thats a good 3xCLI then double that, etc. Most likely the OP will have to wait until the 4th statement and then ask for 3x at the most.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Valued Contributor
Posts: 1,927
Registered: ‎06-21-2012
0

Re: GECRB - Approved !


yomellamoFICO2013 wrote:

I started working on my rebuilding my credit  in Mid January'13. I have had some baddies and inaccuracies removed from my CRs. 

I was itchy to apply for Walmart CC (to get free TU08 and get TL in good standing). Also looked at Amazon. First applied for Amazon, gave me a $400.00 CL, then the same night I pulled the trigger on Walmart, approved $150.00 CL. Thank you GECRB.

I will now garden this cards or will use less than 10%, to have them report next month, hopefully a good increase on my scores by the end of March'13.

I've heard that Walmart may be recon'ed to have CL increased, is it true ? Should I wait for an auto CL in a few months ?


FYI, you can use more than 10%....but to maximize your score only let 10% or less report.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Regular Contributor
Posts: 120
Registered: ‎01-22-2013
0

Re: GECRB - Approved !

Thank you for your nice comnents and suggestions. will ipdate my progress from tibe to time.


CURRENT TLS:

AMAZON $2K/ WALMART $2K /DCU $3K DELTA AMEX $1K
DISCOVER $1.2K/ PAYPALEXT $2K /COSTCOTU $1.2K

UPDATED 8/1
EQ
8/1/13 EQ 694 - (myfico) -
7/26/13 EQ 694 - (DCU)
9/10 EQ 701 - (myfico)

EX
9/8 - EX 707 (usaa/EX)

TU
6/18 TU 690 (myfico)
7/2 TU 694 (Walmart)
8/8 TU 676 (Walmart)
9/6 TU 676 (Walmart)
Contributor
Posts: 142
Registered: ‎01-15-2013
0

Re: GECRB - Approved !


j_casteel wrote:

londonhogfan wrote:

Walmart can grow very fast. I would try for a 10x increase after a couple months.


yeah, they won't grow that fast....especially with a initial CL of $150. I would try for $450 and thats a good 3xCLI then double that, etc. Most likely the OP will have to wait until the 4th statement and then ask for 3x at the most.


You're probably right. My initial was 1,000, but they moved it to 2,000 on the same day after I called in.



I'll be in the garden... FICO Score | TU-08: 732 in May 2013
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: GECRB - Approved !


londonhogfan wrote:

Walmart can grow very fast. I would try for a 10x increase after a couple months.


That might be pushing it a tad Smiley Very Happy

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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