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Regular Contributor
EandK23
Posts: 178
Registered: ‎09-12-2012

5 for 5... and Bye bye bye to FP

After 5 years of rebuilding, I'm so ecstatic to share my recent success for September!  I had some student loans that finally fell of my report and gave me a huge jump in score.  Previous to September, I had a few store cards and an FP card with CL of $450.  My UTL was always around 5% and PIF.

 

My new additions:

Chase Freedom - 2K

Amex BCE - 2.5K

Amex True Earnings - 2K

Walmart - 1.5K

Discover - 13K

 

As a result, I said thank you and farewell to my FP card today!!!!  It served it's purpose during my rebuilding years but now I can finally say goodbye to AF fees! 

 

Off to the garden I go until my Amex cards turn 61 days old and ask for a 3X CLI... :smileyhappy:

 

 

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: 5 for 5... and Bye bye bye to FP

Wow, CONGRATS!!!

That's an awesome Discover starting CL!!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
EandK23
Posts: 178
Registered: ‎09-12-2012

Re: 5 for 5... and Bye bye bye to FP


LS2982 wrote:
Wow, CONGRATS!!!

That's an awesome Discover starting CL!!

Thanks LS2982!

 

I had a card with them around 1998 or so.  It was a small CL if I remember correctly.  Too bad they don't backdate (AFAIK).  I literally fell off my seat when she told me my limit! 

Established Contributor
djrez4
Posts: 504
Registered: ‎08-28-2012

Re: 5 for 5... and Bye bye bye to FP


EandK23 wrote:

LS2982 wrote:
Wow, CONGRATS!!!

That's an awesome Discover starting CL!!

Thanks LS2982!

 

I had a card with them around 1998 or so.  It was a small CL if I remember correctly.  Too bad they don't backdate (AFAIK).  I literally fell off my seat when she told me my limit! 


Same thing happened to me.  I had an account in '98 or '99 and closed it.  When Discover accepted my app this year, the limit was completely disproportionate to anything else I had.  I've tried Amex-like backdating with them a couple of times.  No dice.  I suggest they initiate the practice every time I talk to customer service.

Regular Contributor
Tommy5746
Posts: 440
Registered: ‎02-08-2012

Re: 5 for 5... and Bye bye bye to FP

 

GOOD FOR YOU!!!

 

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Regular Contributor
EandK23
Posts: 178
Registered: ‎09-12-2012

Re: 5 for 5... and Bye bye bye to FP

Thanks!!

 

@djrez4 - I agree!  All you can do is ask and the worst they can say is no...

 

 

Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: 5 for 5... and Bye bye bye to FP

Congrats

Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: 5 for 5... and Bye bye bye to FP


EandK23 wrote:

After 5 years of rebuilding, I'm so ecstatic to share my recent success for September!  I had some student loans that finally fell of my report and gave me a huge jump in score.  Previous to September, I had a few store cards and an FP card with CL of $450.  My UTL was always around 5% and PIF.

 

My new additions:

Chase Freedom - 2K

Amex BCE - 2.5K

Amex True Earnings - 2K

Walmart - 1.5K

Discover - 13K

 

As a result, I said thank you and farewell to my FP card today!!!!  It served it's purpose during my rebuilding years but now I can finally say goodbye to AF fees! 

 

Off to the garden I go until my Amex cards turn 61 days old and ask for a 3X CLI... :smileyhappy:

 

 


Those are some very nice choices as far as cards to apply for.  Congratulations on your successful spree!


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

Re: 5 for 5... and Bye bye bye to FP

CONGRATS!!! WOOOO!!!!!!

 

Remember:

maximize rewards

minimize interest

keep low util

ALWAYS pay on time

 

GROW YOUR LINES :-)

Best of luck!

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
westo12
Posts: 578
Registered: ‎07-20-2008

Re: 5 for 5... and Bye bye bye to FP

Congrats!  One question for you, did you happen to have any derogs at all?

2014 Starting-618, current TU617/EX653/EQ600 (WalmTU 7/7,Prosper, CLI decline ltr) / Ending Goal score: 720 - 25 pos TLs / Baddies: 1 unpd $312 med CA, 2/30 day auto lates almost 2yrs old /reported Install Bal/Lim: 27238/36512 | reported Revolving Bal/Lim: 12806/20532=62%util.

**IN the garden until I get some auto CLI's on major accts**

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