cancel
Showing results for 
Search instead for 
Did you mean: 

753 Baby!

Regular Contributor

753 Baby!

Well, apparently, I have arrived!  My goal was to reach a 750 FICO score.  I recently converted my Discover Open Road to an IT.  When I spoke to the CSR, I went ahead and asked for another CLI (pretty sure I wouldn't get one, they had auto-CLI'd my a few days prior.  She said it was not available as I had just received one, but if I wanted a hard  inquiry it might be approved.  I said no thanks.  Today I get home from being gone all week, and my wife tells me there's a letter from Discover notifying me I had been declined for a CLI.  I take a look and there it is.... THE SCORE! 753  Wow. Best denial letter I've ever received.

 

On a side note, I didn't realize they got a score from a soft pull.  It must have been one they had on file. The CLI request was on 2/16, but the report date was 1/20.  

FICO 750+ on each CRA - 6 cards for a total CL of $222,900
Gardening since 9/11/2016 for a goal of 2 years
Message 1 of 19
18 REPLIES
Valued Contributor

Re: 753 Baby!

Congratulations and welcome to the 750 club! Feels great, doesn't it?

 

 


In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 2 of 19
Regular Contributor

Re: 753 Baby!

Just a few years ago I wouldn't have thought it possible. At least I learned from my mistakes as a young adult (using the word "adult" loosely). I have a much greater appreciation for credit now. But, yes it does feel good.
FICO 750+ on each CRA - 6 cards for a total CL of $222,900
Gardening since 9/11/2016 for a goal of 2 years
Message 3 of 19
Established Contributor

Re: 753 Baby!

Congrats! I hope my scores are that high by next year. Going to garden till i accomplish it.
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Message 4 of 19
Established Contributor

Re: 753 Baby!

Very nice!!  Congratulations!! 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
Message 5 of 19
Valued Contributor

Re: 753 Baby!

Congrats! 

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Message 6 of 19
Established Contributor

Re: 753 Baby!

Congrats!


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 7 of 19
Mega Contributor

Re: 753 Baby!

CONGRATS!!!

Closest Ive gotten to 750 was 711. Cant wait until I hit that mark!



EQ FICO 548 3/3/16
Message 8 of 19
Member

Re: 753 Baby!

CONGRATS

Starting Score: 06/03/2011 TU 625 EQ 612
Current Score (myFico ): February 2013 TU 720 EQ 720 EX 734
Wallet: Lowes15k, Paypal Mastercard 14k, WalmartDiscover 14k, Samsclub Discover 14k, Citi Forward 8.5k, PenFed Visa 6.5k
Challenge: App Free since 02/10/13. Next apps July 2013




Message 9 of 19
Valued Contributor

Re: 753 Baby!


hardworkrebuilding wrote:

Well, apparently, I have arrived!  My goal was to reach a 750 FICO score.  I recently converted my Discover Open Road to an IT.  When I spoke to the CSR, I went ahead and asked for another CLI (pretty sure I wouldn't get one, they had auto-CLI'd my a few days prior.  She said it was not available as I had just received one, but if I wanted a hard  inquiry it might be approved.  I said no thanks.  Today I get home from being gone all week, and my wife tells me there's a letter from Discover notifying me I had been declined for a CLI.  I take a look and there it is.... THE SCORE! 753  Wow. Best denial letter I've ever received.

 

On a side note, I didn't realize they got a score from a soft pull.  It must have been one they had on file. The CLI request was on 2/16, but the report date was 1/20.  


Congrats on the accomplishment and hope to join you and many others the 750 club in 2014!

gardening since 5/21/2016
Message 10 of 19