Credit Card Center Advertiser Disclosure†
07-24-2013 01:37 PM
So first off just wanted to say ive been lurking for quite sometime reading and rebuilding my credit and figured it was time to post about my journey to getting my chase freedom that I wanted for almost 2 years. And thanks to Myfico forums i have finally achieved it...Anyways a little bit about my credit
5 Paid in full Chargeoffs from Feb 2013 (Paypal mastercard, Target, HSBC, American eagle, Verizon.
1 chargeoff still showing from Dell for $2500.00..indispute because when I tried to pay it they said its in collections and there collection department says they don't see anything owed so long story short IM trying to give them money and they will not take it but they keep verifying my dispute(whole other story)
My AAOA was 8 years but went on a stupid comenity bank app spree and brought it down to 2.5 years
Then I applied for AMEX PRG NPSL and got approved and they backdated it to 1996 so that helped my AAOA a lot also applied for DeltaCard 1k and also backdated to 1996(PC'ed to BCE) so now AAOA is 4.5yrs
15 inquires EX
6 inquires TU
4 inquires EQ
Home Mortgage $146,000
Ficos are between 670 to 690 on all reports
so heres a list of my cards I have gotten in past 4months
AMEX PRG NPSL
Capitalone $800( 7 years old)was 700 but EQ bumped to 800
Sportsman visa 2k
Amazon storecard 600
Just got target card approval for $400 even after the paid chargeoff with them
Yes i know alot of stupid cards but thankfully most where Softpulls...anyways bring me to my chase freedom approval. Like i said i apllied many times for chase cards and always got declined but this time when i got declined for the Freedom card i said i would not take no for an answer and it paid off....When i was speaking to the rep he asked me about the Dell chargeoff and i answered him honestly and basically told him that i had the money to pay it but noone would take my money and i am in process of disputing it he then jsaid that it looks like i did a good job paying off the other chargeoffs and he will try see if he can push this app through..put me on hold for 5 mins then came back an said i see you have a AMEX BCE with a 1k limit and i said yea just got it 2 months ago he then said you know what since AMex was willing to take a chance with your chargeoff i think we will to and approved me for 1k limit !!Woohoo I couldnt believe my ears.....I wanted this card for so long and the fact i got it with a chargeoff and a few paid chargeoffs is unbelievable.. Anyways thanks for listening to me blab and tell my story hope it helps someone!
07-24-2013 01:44 PM
07-24-2013 01:45 PM
07-24-2013 01:46 PM
Welcome to the forum and congrats
07-24-2013 01:47 PM
07-24-2013 01:49 PM
Thanks everyone!! It was defintley the AMEX history that help me alot...thank god for backdating and amex for taking a chance on me.. now hopefully get some luv next week with BCE 3x cli Aug 2 will be 61 days!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.