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Valued Member
spudbro
Posts: 25
Registered: ‎05-21-2012

AMEX & Chase Success!

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‎11-16-2012 10:13 PM - edited ‎11-16-2012 10:18 PM

Just wanted to thank this forum! I started rebuilding my credit in April of this year at 460 and had a bunch of collection accounts after never paying attention to credit or understanding how it works. Fast forward 7 months later and I was approved for a AMEX Gold Reward Card as well as a Chase Freedom 5k Limit. Never thought I'd see the day where I would app and in 30 seconds see an approval screen pop up lol.

 

Thanks for your guys help!

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Regular Contributor
crazysxycool
Posts: 176
Registered: ‎08-21-2010

Re: AMEX & Chase Success!

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‎11-16-2012 10:38 PM

Congrats!  I just got approved for these also! :smileyvery-happy:

Starting Score: TU: 663 EQ: 632 EX: ?
Current Score: TU: 721 (12/02/12) EQ: 704 (12/2012 via SW) EX: 712 (11/19/12 via Amex)
Goal Score: 700 (ALL)

Take the FICO Fitness Challenge
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Established Contributor
JusdoNit
Posts: 921
Registered: ‎12-10-2011

Re: AMEX & Chase Success!

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‎11-16-2012 10:39 PM

It's a great feeling when that day comes isn't it??????:smileywink:

 

Much congrats for you

Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800
If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge


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Established Contributor
JusdoNit
Posts: 921
Registered: ‎12-10-2011

Re: AMEX & Chase Success!

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‎11-16-2012 10:39 PM

crazysxycool wrote:

Congrats!  I just got approved for these also! :smileyvery-happy:

crazysxycool wrote:

Congrats!  I just got approved for these also! :smileyvery-happy:

Much congrats to you too:smileyhappy:

Starting Score: 722
Current Score: Now 687 what the hockey sticks...from a 784 (Aug 12 EX 751 EQ Fico)
Goal Score: 800
If your outGo is more than your INcome than your UpKeep will become your downFALL.

Take the FICO Fitness Challenge


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Valued Member
spudbro
Posts: 25
Registered: ‎05-21-2012

Re: AMEX & Chase Success!

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‎11-16-2012 10:42 PM

crazysxycool wrote:

Congrats!  I just got approved for these also! :smileyvery-happy:

Congrats! Did you app for anything else or just these?

 

 

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Regular Contributor
crazysxycool
Posts: 176
Registered: ‎08-21-2010

Re: AMEX & Chase Success!

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‎11-16-2012 10:43 PM

JusdoNit wrote:
crazysxycool wrote:

Congrats!  I just got approved for these also! :smileyvery-happy:

crazysxycool wrote:

Congrats!  I just got approved for these also! :smileyvery-happy:

Much congrats to you too:smileyhappy:

Thank you! :-)

Starting Score: TU: 663 EQ: 632 EX: ?
Current Score: TU: 721 (12/02/12) EQ: 704 (12/2012 via SW) EX: 712 (11/19/12 via Amex)
Goal Score: 700 (ALL)

Take the FICO Fitness Challenge
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Moderator
webhopper
Posts: 6,758
Registered: ‎09-16-2011

Re: AMEX & Chase Success!

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‎11-16-2012 10:44 PM

spudbro wrote:

Just wanted to thank this forum! I started rebuilding my credit in April of this year at 460 and had a bunch of collection accounts after never paying attention to credit or understanding how it works. Fast forward 7 months later and I was approved for a AMEX Gold Reward Card as well as a Chase Freedom 5k Limit. Never thought I'd see the day where I would app and in 30 seconds see an approval screen pop up lol.

 

Thanks for your guys help!

That's amazing congratulations!
Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!


Take the myFICO Fitness Challenge
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Regular Contributor
crazysxycool
Posts: 176
Registered: ‎08-21-2010

Re: AMEX & Chase Success!

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‎11-16-2012 10:48 PM

spudbro wrote:
crazysxycool wrote:

Congrats!  I just got approved for these also! :smileyvery-happy:

Congrats! Did you app for anything else or just these?

 

 

Just these - but I'm thinking about another one since I'll be closing 2 more with AFs attached.  Haven't decided yet.

 

Starting Score: TU: 663 EQ: 632 EX: ?
Current Score: TU: 721 (12/02/12) EQ: 704 (12/2012 via SW) EX: 712 (11/19/12 via Amex)
Goal Score: 700 (ALL)

Take the FICO Fitness Challenge
Message 8 of 19 (578 Views)
 
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Valued Member
spudbro
Posts: 25
Registered: ‎05-21-2012

Re: AMEX & Chase Success!

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‎11-16-2012 10:48 PM

webhopper wrote:
spudbro wrote:

Just wanted to thank this forum! I started rebuilding my credit in April of this year at 460 and had a bunch of collection accounts after never paying attention to credit or understanding how it works. Fast forward 7 months later and I was approved for a AMEX Gold Reward Card as well as a Chase Freedom 5k Limit. Never thought I'd see the day where I would app and in 30 seconds see an approval screen pop up lol.

 

Thanks for your guys help!

That's amazing congratulations!

Thanks! Still can't believe I was able to get my score up 250 points in 7 months. I'm still suprised I got approved though my EQ is 706 but my EX and TU are only in the 660-670 range and I had a bunch of late auto payments a little over a year ago.

 

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Established Contributor
bettercreditguy1
Posts: 653
Registered: ‎02-11-2012

Re: AMEX & Chase Success!

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‎11-17-2012 03:31 AM

Don't overcharge and do pay in full every month. Congrats!

Starting scores 01/ 02/2012 EQ 707 TU 733 EXP 735 (FAKO)
Updated scores 05/01/2013 EQ 761 TU 780 EXP 788 (Exp. equivalency)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
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