01-13-2014 04:46 PM
I typically just read through the forums on here. Today is different. I have been working for 2 years to improve my credit. I didn't keep things under control when I turned 18 and paid for those mistakes for a long time. Some medical issues arose, leading to a few medical collections, and my fiance' and I had our first child in 2013. I haven't apped for a card since 2011. I've been in the garden with my Capital One (who gave me a nice increase this past December!) and paying a new car loan since August of 2013.
I figured I would give it a shot to see where I stood and was approved for a Victoria's Secret card. The limit isn't anything spectacular, but it's something to add to the garden. I am feeling extremely accomplished, as this trek in repairing my credit has been anything but easy.
I'm not ready to start apping for non-store cards just yet. I'd like to see my scores go up higher. Since December of 12 I've managed to raise it 154 points. Now it's back to the garden for me!
01-13-2014 04:48 PM
Congrats! Welcome to the forum. Thanks for sharing.
01-13-2014 04:50 PM
Congratulations! Keep up the great work!
01-13-2014 05:43 PM
These responses are not provided or commissioned by FICO. Responses have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.