Over the last month, I have been approved for the NFCU Flagship Rewards Visa (17,500), Refi Auto Loan with NFCU at 4.2%, Amazon Chase Visa (1k), and today for the Discover It Card (1,500). I'm pretty much a lurker around here, but I must say thanks for all the helpful tips in getting my credit scores up. At the start of November, all my scores were in the 500's and now my scores are mid 600's with my Equifax approaching "700"... Again, I say THANK YOU!
Whats your secret. I am stuck in the low 500 and I am trying to improve. I have a few 120 days late payment on student loans and my bk from 2010. I have 45k in AU credit thanks to my wife. Of the 45k I have 12K in debt. about 7 inquires. all recent for an auto loan that my wife eventually took out b/c my credit is as bad as it gets. Thanks in advance.