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Established Contributor
Posts: 752
Registered: ‎01-20-2014
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Re: I GOT APPROVED!!!

That's Great!!! Congrats!!! 1st Card!!!:smileyhappy:

$600 Barclaycard® Rewards MasterCard® - Average Credit $3500 Blue Cash Everyday® Card from American Express $9000 Discover it® - 18 Month Balance Transfer $8000 Chase Freedom® - $200 Bonus 11k VSiggy
Regular Contributor
Posts: 170
Registered: ‎06-03-2013
0

Re: I GOT APPROVED!!!

Congrats!!!

Starting Scores for 2014: EX 689 EQ 686 TU 667 (1/1/14)
Current Scores: EX 689 EQ 692 TU 689 (1/30/14)
Goal Score: 700+ Gardening Until 1/1/16
In My Wallet: NFCU CLOC $8K | NFCU cashRewards $7.5K | Amex Hilton Honors $4k | Macy's $3.3K | Amex PRG $3K | NFCU Platinum $2.5K | Bloomingdale's $2K | Cap 1 Spark $1.5K | Barclaycard $1.3K | CFNA $1.2K | Wal-Mart $1.2K | Amazon $1.2K | Amex BCE $1K | Cap 1 QS $1K | Cap 1 QS $1K | CareCredit $1K
Moderator
Posts: 27,203
Registered: ‎09-13-2012
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Re: I GOT APPROVED!!!


lyndon978 wrote:

Thank you everyone once again! I had to apply for membership and open a checking account. I think this bank is really good and they offer good rates. They're in the top 25 credit unions in the usa right now accoring to sources


You'll also get free EQ FICO each month. I'm very happy with them; they've been my primary bank/CU for 10 years. 

Community Leader
Senior Contributor
Posts: 13,951
Registered: ‎12-13-2013
0

Re: I GOT APPROVED!!!


lyndon978 wrote:

Hello everybody! Today I am the happiest man on earth right now. I am 25 years old and I've never own a credit card in my life. This was due to because I was young and stupid and didn't know anything about credit. I've had multiple collections (mainly cell phones bills and macy's) and I didn't know that it will have an effect on me as far applying for a car loan or credit card. I applied for a credit card at my bank, applied for a car loan at multiple places and I got denied. I did a little bit of research and came to this site and it changed my life! I paid off all my debts in full, got the PFD letter, disputed with the CRAs and was able to remove 3 out of 4 collections from my credit report in a couple of months. Today I went to DCU and applied for a secured credit card cause I heard they are good at approving people with bad credit. And instantly they said I got approved for a regular credit card for $2,000 credit limit! They said my Equifax credit score is 622 with only one collection with AT&T which was paid in full. I couldn't believe I got approved. I want to thank you guys for helping me out so much. I have learned a lot. Thank you!!!


Congrats on your DCU card :smileyhappy:

EX Cred Sesame 03/15: 774 (+8) ; EX Fico 04 V2 06/14: 775; EX Fico 08 BC 02/15: 797 (-42)
EQ Beacon 5.0 12/14 757
TU Fico 8 02/15: 754 (-51)
Frequent Contributor
Posts: 365
Registered: ‎08-31-2007
0

Re: I GOT APPROVED!!!

Congrats on your approval.. that is a good starting limit..

 

I got denied last year (new accounts/inquiries).. I didn't need it but I was surprised at the denial...(i like to have a credit card where I bank..weird I know..LOL)

| NFCU Cashrewards $17,500 | NFCU Platinum $15,000 | NFCU Navchk $10,000 | Amex BCE $1,000 | Amex HHonors $1,700 | Chase Freedom $1,400 | Chase Sapphire Preferred $2,800 | BOA 3-2-1 $10,000 | Barclays Apple $4,450 | CapOne Quicksilver $1,000 | OCCU Beaver $5,000 | CITI Diamond Preferred $2,500| Citi TYP $5,000 | GTE FCU $3,000 | | Discover IT $3,500 | Walmart Discover $8,000 | NCSECU $750 | NASA FCU $2,000| Chase Slate $2,800 | Barclays Reward MC $1,500| Best Buy $3,000 | Wells Fargo $3,000 | Chase Amazon $1,000
Frequent Contributor
Posts: 365
Registered: ‎08-31-2007
0

Re: I GOT APPROVED!!!


CreditMagic7 wrote:

lyndon978 wrote:

Thank you everyone once again! I applied for membership after I got approved. They required me to open a checking account.


Best of luck on a great credit journey.

I wish i had this resource when i was 18.


+1

| NFCU Cashrewards $17,500 | NFCU Platinum $15,000 | NFCU Navchk $10,000 | Amex BCE $1,000 | Amex HHonors $1,700 | Chase Freedom $1,400 | Chase Sapphire Preferred $2,800 | BOA 3-2-1 $10,000 | Barclays Apple $4,450 | CapOne Quicksilver $1,000 | OCCU Beaver $5,000 | CITI Diamond Preferred $2,500| Citi TYP $5,000 | GTE FCU $3,000 | | Discover IT $3,500 | Walmart Discover $8,000 | NCSECU $750 | NASA FCU $2,000| Chase Slate $2,800 | Barclays Reward MC $1,500| Best Buy $3,000 | Wells Fargo $3,000 | Chase Amazon $1,000
Senior Contributor
Posts: 10,026
Registered: ‎09-24-2013
0

Re: I GOT APPROVED!!!

congrats


Valued Contributor
Posts: 12,904
Registered: ‎08-13-2013
0

Re: I GOT APPROVED!!!


lyndon978 wrote:

Hello everybody! Today I am the happiest man on earth right now. I am 25 years old and I've never own a credit card in my life. This was due to because I was young and stupid and didn't know anything about credit. I've had multiple collections (mainly cell phones bills and macy's) and I didn't know that it will have an effect on me as far applying for a car loan or credit card. I applied for a credit card at my bank, applied for a car loan at multiple places and I got denied. I did a little bit of research and came to this site and it changed my life! I paid off all my debts in full, got the PFD letter, disputed with the CRAs and was able to remove 3 out of 4 collections from my credit report in a couple of months. Today I went to DCU and applied for a secured credit card cause I heard they are good at approving people with bad credit. And instantly they said I got approved for a regular credit card for $2,000 credit limit! They said my Equifax credit score is 622 with only one collection with AT&T which was paid in full. I couldn't believe I got approved. I want to thank you guys for helping me out so much. I have learned a lot. Thank you!!!


Congrats on your approval :smileyhappy:

Old user name newportguy*** Current Score: myFico EQ - 813 (01/14/2015) Discover TU Fico - 809 (02/04/2015) EX Fico - 821 ( 03/01/2015 ) ******* Amex - BCP 10 K * Discover - IT 12 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ******FICO 800 Club Member ******* EQ 813 *** TU 809 *** EX 821 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******
Established Contributor
Posts: 883
Registered: ‎09-10-2010
0

Re: I GOT APPROVED!!!

CONGRATS!!! 


TU712, EQ 742 , EX 726 (As of 12/13/14) - Personal Goal = 760

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