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Contributor
hardworkrebuilding
Posts: 78
Registered: ‎12-09-2012

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 EQ 737 06/22/13 || FICO TU 753 (Discover pull 1/20/13)
MC: Chase Freedom 6K, Citi AA World 10.9K, Paypal Extras 10K
Visa/ Visa Signature: Slate 22.9K, Marriott Rewards Premier 10K
AMEX: BCE 10K, SPG 22.5K
Discover: IT 6K

Valued Contributor
SnackTrader
Posts: 1,563
Registered: ‎09-15-2012

Re: 753 Baby!

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

 

 


In My Wallet: Amex BCP (12/12) $22.200, Chase CSP (4/14) $12,000, Barclaycard Arrival (5/13) $10,500, Citi Forward (12/12) $9,600, Cap1 Cash Rewards (6/12) $9,000, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Contributor
hardworkrebuilding
Posts: 78
Registered: ‎12-09-2012

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 EQ 737 06/22/13 || FICO TU 753 (Discover pull 1/20/13)
MC: Chase Freedom 6K, Citi AA World 10.9K, Paypal Extras 10K
Visa/ Visa Signature: Slate 22.9K, Marriott Rewards Premier 10K
AMEX: BCE 10K, SPG 22.5K
Discover: IT 6K

Established Contributor
ObeyJohnny12
Posts: 591
Registered: ‎05-05-2012

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. |
Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013

Re: 753 Baby!

Very nice!!  Congratulations!! :smileyhappy:

 

 


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
Valued Contributor
ryanbush
Posts: 1,293
Registered: ‎08-19-2012

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
Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012

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) 698 (my FICO 07/08/14) TU: 693(07/08/14) 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
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: 753 Baby!

CONGRATS!!!

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



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
Member
smtclirim
Posts: 64
Registered: ‎02-23-2013

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




Valued Contributor
dodgerslv
Posts: 1,693
Registered: ‎06-16-2012

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!



biggest limits: BofA Privilege (33K)/ BofA Cash Rewards (27k)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).






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