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Posts: 6
Registered: ‎02-15-2013
0 to the Garden...

This board has been a blessing.  Thanks to you all and the information you have provided, I am back from credit oblivion.  I know I still need to post my scores, but while I have a few minutes, I could not resist sharing my week with you.  From my last post, I told you folks, that I obtained a Walmart Discover with a $800 CL.  I was also waiting for approval of my Navy Fed CU account.  Last night, I was reading about the Paypal Extras, and decided to give it a shot while I was waiting.  After a phone call verification, they approved me for a 3000 CL.  I was speechless.  I never expected it to be that high. This morning, I got my NFCU account approval and waiting for me was the preseclected Cash Rewards app.  I applied...They approved me for a 14000 CL!  I don't even know what to say...Two weeks ago, I had only secured Elan card with 800CL.  For those starting out, don't think this was easy.  I have lived the last 8 years without any credit whatsoever, with exception of one rent to own account from Aaron's that showed up as paid in full and in good standing, and an old mortgage on a manufactured home that was paid off 8 years ago.  It takes a while but if anyone ever needed proof that it could be done, I'm it.  But again, I could not have done it without you folks and the information you provided. I sincerely thank you and to the garden!

Established Contributor
Posts: 955
Registered: ‎02-02-2013

Re: to the Garden...

Way to go!!  Congratulations!!


Those are some very nice accounts and limits!!


Good job on the repair work!!


Its nice to have a clean backyard, isn't it? Smiley Happy

NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Established Contributor
Posts: 665
Registered: ‎08-02-2011

Re: to the Garden...

Congratulations! Great feeling Huh? Most of us here can relate to how you feel and where you have come from. I was there less than two years ago. Again, congrats and awesome job. Keep it up!

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K
Frequent Contributor
Posts: 390
Registered: ‎01-11-2013

Re: to the Garden...

thats awesome

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012

Re: to the Garden...

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012

Re: to the Garden...

Nice going, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010

Re: to the Garden...

That's fantastic -- good for you!!! Enjoy your new cards, and see you in the garden. Smiley Happy

Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Regular Contributor
Posts: 241
Registered: ‎12-04-2009

Re: to the Garden...

What an amazing story, Congrats on rebuilding credit and getting to where you want to be!

Starting Score: EQ 548 [ Feb 2010 ]
Current Score: TU 663 EQ 686
Goal Score: 700

Take the FICO Fitness Challenge

Valued Contributor
Posts: 1,453
Registered: ‎04-14-2012

Re: to the Garden...

Congrats!!!!! I too was there less than two years ago....I am still amazed at how far I have come. Good for you!!!! 

Valued Contributor
Posts: 1,504
Registered: ‎08-30-2011

Re: to the Garden...

BIG CONGRATS to you ! 



Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10.5K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $14.1K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 818 EQ = 825 TU = 822 as of 11/15

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