Productive Week!

[djshifted]

I started working on building my credit back up August of last year.  At that time my scores were under 500 (auto lender pull), and I started with a secured credit card and a used auto loan with 24.x% interest.  Since then I traded the vehicle for a new one in May with 16.89% through Chrysler Capital.  This past week I decided to check my EQ score through here and found it was getting better, so I decided to try several apps.  There have been a few denials and 7 day messages, though here are the instant approvals:

BarclayCard: $1300

Amazon Store Card: $800

Walmart Store Card: $500

Express Credit Card: $250

My CU already has a copy of my report from a refinance request I made, so I will ask them about a CLI on the secured card (the refi was approved at 12%, though for 6K under the current balance, so that will have to wait.)

I'm excited, a little more positive reinforcement 

[09Lexie]

Welcome to the forum! Congratulations on your successful credit spree! For the 7 day messages and denials, did you try to recon?

[djshifted]

I tried to recon Gap and BestBuy, but both only got me "It was denied, you will get a letter..." I haven't tried Pier 1, though I haven't seen a good # for them either.  I plan on calling Discover tomorrow about the Student it card.

[coldnmn]

Welcome to the forum. It feels good to get steps going in the right direction. Thanks for sharing Congrats !

[yudeology101]

Congrats!!!  I know Wally & Express will grow w/ you quickly, let them age well.

[djshifted]

Thanks!  I tried several recons today with no success, I've got several baddies from 3+ years ago.

After I talk with the CU I'll wait a while and let things grow.

[H4LO]

Congrats on the cards, but that APR on the car loan.... Ouch. I'd look at refinancing in the future. 

[myjourney]

Congarts on the new cards 

[FocusedAndDetermined]

Welcome to the forums and congrats on your newly acquired TLs!

[djshifted]

Thanks!  

I know the APR sucks on the car, though it's better than the previous one.  I'd like to get it refinanced, though it will probably be a while before I can do that.  The best offer I've had so far is 12%, though I'd have to pay down the balance roughly 6K.  I may try one more place before gardening for a while.