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The results are mostly in from my last app/ CLI spree

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JenniferinFL
Frequent Contributor

The results are mostly in from my last app/ CLI spree

Picked up another $1200 in cli's on my combined WFNNB cards.

 

App'd for Barclaycard Rewards mastercard - approved for $1800. TU FICO here I come!

App'd for local credit union card- approved but only if I add a cosignor, I declined

App'd for Amex Green - declined (no reason yet, app is showing up as cancelled)

App'd for DCU - approved for measly $200 limit, but, I'm in the door. Honestly, here for the FICO. (LOL, rep called, $200 was a typo, approved for $2000)

App'd for Swagbucks which is backed by First Bankcard which is part of FNBO = Free Fico! - approved for $1000

App'd for Old Navy (extra coupons for work clothes) - approved $300

 

I know that none of these are particularly great, but I'm thrilled to have the free FICO's. I've had trouble staying motivated on this rebuilding journey, I was doing great when I had score tracker, but, can't justify the expense. This will let me actually see a regular breakdown of progress and I really need that. I need to see that couple extra points from paying off a card.

 

I was actually pleasantly surprised by my success rate. I didn't expect to get Amex and I don't think they even pulled my credit. I was surprised to get DCU and Barclay. I was surprised NOT to get the one from my credit union.. lol 

 

Lot's of surprise in other words..  Interestingly, Barclay sends me score alerts.. It's sent me two already and I don't even have the card yet.

 

Current Cards: Cap 1 Journey $3000, Cap 1 Playstation $2250, WFNNB Store Cards $2450 combined, Target $700, CareCredit $1700, Barclay Rewards Plat. Mastercard $1800, Old Navy $300, DCU Platinum Rewards Visa $2000, Swagbucks Rewards Visa $1000

Starting Score: 615 EQ (03-15-2012) 600 TU (03-21-2012 Barclays app) ) Ch.7 discharged 5/2009

Current Score: 671 EQ (09-27-2014 DCU) 660 TU (9/26/14 Barclays) Ex 688 (10/07/2014 Swagbucks)

Gardening since 9/22/2014


Message 1 of 8
7 REPLIES 7
lonelyisland
Frequent Contributor

Re: The results are mostly in from my last app/ CLI spree

NIce! And congrats on finding an FNBO to get the FICO score for! 

Achievement Unlocked! Smiley Very Happy

Message 2 of 8
JenniferinFL
Frequent Contributor

Re: The results are mostly in from my last app/ CLI spree


@lonelyisland wrote:

NIce! And congrats on finding an FNBO to get the FICO score for! 

Achievement Unlocked! Smiley Very Happy


LOL, exactly my feelings. Only took hours of google searching, but totally worth it. I figured the most gimmicky one would have the easiest terms and I would guess that I assumed correctly.. Eventually I'll have my scores so well groomed that when that bankruptcy drops off it'll go straight to 800...  lol (Okay, probably not, AAOA is tanked because of that stupid bankruptcy) But maybe it'll hit 740 ish..  Smiley Happy

Current Cards: Cap 1 Journey $3000, Cap 1 Playstation $2250, WFNNB Store Cards $2450 combined, Target $700, CareCredit $1700, Barclay Rewards Plat. Mastercard $1800, Old Navy $300, DCU Platinum Rewards Visa $2000, Swagbucks Rewards Visa $1000

Starting Score: 615 EQ (03-15-2012) 600 TU (03-21-2012 Barclays app) ) Ch.7 discharged 5/2009

Current Score: 671 EQ (09-27-2014 DCU) 660 TU (9/26/14 Barclays) Ex 688 (10/07/2014 Swagbucks)

Gardening since 9/22/2014


Message 3 of 8
alvon123
Super Contributor

Re: The results are mostly in from my last app/ CLI spree

congrats


Message 4 of 8
coldnmn
Mega Contributor

Re: The results are mostly in from my last app/ CLI spree

Congrats! Thanks for sharing.

 

 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 5 of 8
Tony275
Valued Contributor

Re: The results are mostly in from my last app/ CLI spree

Congrats on your success!! You've got access to your FICOs!

Treat DCU well and they'll do the same for you, seriously love this bank!

Starting Score: (June 2014) TU08: 663 | EQ04: 640 | EX08: 685
Current Score: TU08: 757 | EQ04/08: 757/758 | EX08: 761
Goal Score: 800 across the board

Total Credit Line - $186,050 | Utilization - 16.8%
Message 6 of 8
JenniferinFL
Frequent Contributor

Re: The results are mostly in from my last app/ CLI spree


@Tony275 wrote:
Congrats on your success!! You've got access to your FICOs!

Treat DCU well and they'll do the same for you, seriously love this bank!

Funny followup, I got a call from DCU today from the rep who was prepping my credit card account. I had sent a note along with my financial information thanking them for the opportunity and letting them know I was fine with the $200 limit because I just really wanted my foot in the door.

 

Anyhow, I was approved for $2000, the $200 was a typo on the online forms and she was just calling to make sure that was okay.. lol

 

So, that feels better already..  Smiley Very Happy

Current Cards: Cap 1 Journey $3000, Cap 1 Playstation $2250, WFNNB Store Cards $2450 combined, Target $700, CareCredit $1700, Barclay Rewards Plat. Mastercard $1800, Old Navy $300, DCU Platinum Rewards Visa $2000, Swagbucks Rewards Visa $1000

Starting Score: 615 EQ (03-15-2012) 600 TU (03-21-2012 Barclays app) ) Ch.7 discharged 5/2009

Current Score: 671 EQ (09-27-2014 DCU) 660 TU (9/26/14 Barclays) Ex 688 (10/07/2014 Swagbucks)

Gardening since 9/22/2014


Message 7 of 8
Anonymous
Not applicable

Re: The results are mostly in from my last app/ CLI spree

Your making great progress and headway. Your successes show. Congrats!
Message 8 of 8
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