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Member
Posts: 7
Registered: ‎03-27-2010
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4 New Cards Since November Thanks myFico

Hi guys. This is my first posting here. Just want to share some of my good news since all of your good advice has put me back on the road to financial stability. I started my credit journey last February after getting divorced from my wife.  I'm 33 and my credit was horrible. I was a 471 EQ 503 TU and 477 Fako. I never had any cards other than my bank cards. Tons of collection crap from ex's drama.  Started getting my reports cleaned up since then and in November got a First Premier $300.00 limit. Converted  one of my old debts from Jefferson Capital that was the ex wife's Chase card to an Embarq card that has a $350.00 limit. And this past month I got Orchard bank $300.00 limit and Capital One $500.00 limit  in the Credit building program:smileyhappy: Current scores after a year are 618EQ no bads no lates only negative is short history 6 inqs.  TU 618 1 closed collection in dispute no bad's no lates 3 inqs. EX Faco 601 4 negative closed 3 to fall off in DEC no lates 8 inqs but all to fall off this year. Thanks for all your help guys.


Starting Score:3/09471
Current Score:6/29/10> 687
Goal Score: 750


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New Contributor
Posts: 163
Registered: ‎03-04-2010
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Re: 4 New Cards Since November Thanks myFico

Yikes, I would not give FirstPremier ANY business. Such a scammy ripoff. Congrats on Orchard and Cap1 :smileyhappy:

TU FICO - 752 (8/12/11)
EX PLUS - 721 (8/9/11)
EQ FICO - 648 (2010)

(21 years old)
Member
Posts: 7
Registered: ‎03-27-2010
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Re: 4 New Cards Since November Thanks myFico

If I did not use First Premier I would not have been able to get approved for other cards. They gave me a foot in the door sometimes you gotta pay to play .:smileyhappy:


Starting Score:3/09471
Current Score:6/29/10> 687
Goal Score: 750


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Senior Contributor
Posts: 3,197
Registered: ‎01-24-2010
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Re: 4 New Cards Since November Thanks myFico

Congrats

 

Now that you have the other 3, I would plan on dropping First Premiere soon.    You don't need to pay such high fees forever.

 

 

Member
Posts: 7
Registered: ‎03-27-2010
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Re: 4 New Cards Since November Thanks myFico

Yeah hoping to be able to drop them before another annual fee will see how im doing after a few months.


Starting Score:3/09471
Current Score:6/29/10> 687
Goal Score: 750


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Established Contributor
Posts: 971
Registered: ‎01-13-2008
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Re: 4 New Cards Since November Thanks myFico

Gospel.

1 tp 9% utilization showing at reporting time on 49% of those accounts MAX. Rotate the other cards in and out of  that 49% and don't aply for another card for 1 to 2 years. You are at a crossroads.

1-14-08....... TU=683, EQ=667, EX=666
7-04-08....... TU=688, EQ=678, EX=682.......
.......4 of my 5 cards and a new car later.
2/13/09 and forever EX 693
Member
Posts: 7
Registered: ‎03-27-2010
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Re: 4 New Cards Since November Thanks myFico

Thanks been definetly gonna keep that uti down low and leave the apps alone for the next year.


Starting Score:3/09471
Current Score:6/29/10> 687
Goal Score: 750


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Valued Member
Posts: 32
Registered: ‎03-24-2010
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Re: 4 New Cards Since November Thanks myFico

Capital One Credit building program???? Is there such a thing? If so please fill me in?

Starting Score: 05/15/2011 TU 565 EQ 562
Current Score (MYFICO): 6/25/2012 TU 670 EQ 660
Wallet: NFCU Visa 15k, Amex Green NPSL, Discover 1.2k, USAA MC 2K, USAA 1.5k

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