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Valued Member
Credit_Me
Posts: 43
Registered: ‎06-14-2012

Dad's 3,000 Cap1 Credit Steps CLI

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‎02-02-2013 06:55 PM

So I've been rebuilding my credit for a bit and decided to help my dad. We both applied for Cap1 cards and both got approved. I was approved for 750 and he was approved for 500. When our credit steps cli kicked in I got bumped up to 1250 and he got bumped up to 3500!!! A bit jealous but happy for him.

 

Difference is I filed for Ch. 7 bankruptcy late 2011, and his credit file was empty.

Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board

Take the FICO Fitness Challenge

Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)
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Valued Contributor
chnceit
Posts: 1,198
Registered: ‎08-17-2008

Re: Dad's 3,000 Cap1 Credit Steps CLI

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‎02-02-2013 06:58 PM

Cap One will do that especially you both have two totally different profiles. Congrats on the increases!


$100K in Credit
Last App: 01/09/13
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Regular Contributor
Kartel34
Posts: 157
Registered: ‎05-01-2008

Re: Dad's 3,000 Cap1 Credit Steps CLI

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‎02-02-2013 09:50 PM

Good for you and your dad! Great to see some love being passed around

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Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: Dad's 3,000 Cap1 Credit Steps CLI

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‎02-03-2013 12:04 AM

Wow that is a really nice jump without the Executive Office. Congrats!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
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Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: Dad's 3,000 Cap1 Credit Steps CLI

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‎02-03-2013 08:55 AM

+1

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Regular Contributor
frugalQ
Posts: 243
Registered: ‎03-23-2012

Re: Dad's 3,000 Cap1 Credit Steps CLI

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‎02-03-2013 11:14 AM

My DH got the Green Rewards card last June with 2k limit. C1 sent a letter saying he would get a $500 increase after 6 months. In December, I checked his account and found that they increased his limit to 4k. A great Christmas present.
Capital One Platinum 0/2.5K - AmEx Green NPSL - Amex Hilton HHonors Surpass 0/7K - Amex BCP 0/8.5K - Chase Freedom 0/3K - Discover IT 0/6.5K - LOC 0/2.5K
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Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012

Re: Dad's 3,000 Cap1 Credit Steps CLI

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‎02-03-2013 11:25 AM

Wow! That is super nice! I'm jealous! They said $500 added to my $2000 and I checked and it was $2500...Boo!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
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Regular Contributor
frugalQ
Posts: 243
Registered: ‎03-23-2012

Re: Dad's 3,000 Cap1 Credit Steps CLI

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‎02-03-2013 11:32 AM

It was hilarious....my DH thought they had screwed up his account.

OP, didn't mean to thread jack! Congrats to you and your Dad!!!
Capital One Platinum 0/2.5K - AmEx Green NPSL - Amex Hilton HHonors Surpass 0/7K - Amex BCP 0/8.5K - Chase Freedom 0/3K - Discover IT 0/6.5K - LOC 0/2.5K
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Valued Member
Credit_Me
Posts: 43
Registered: ‎06-14-2012

Re: Dad's 3,000 Cap1 Credit Steps CLI

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‎03-23-2013 03:21 PM

Not a problem!

 

I just heard from my dad, he tells me he received an invitation for an Amex green. Guess I am putting him in the right direction.

Starting Score: EQ:531 (06/14/12) TU: 578 (06/16/12) EX: 555 (06/23/12)
Current Score: EQ:647 (10/04/12) TU: 621 (08/04/12) EX: 654 (05/15/13) App from CU
Goal Score: 2012 Goal Met. 2013 - 660+ across the board

Take the FICO Fitness Challenge

Rebuilding Tools: Cap1 (750), Credit1 (400), Aspire FCU CBL (1000)
Message 9 of 12 (280 Views)
 
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Regular Contributor
twall06
Posts: 211
Registered: ‎10-25-2012

Re: Dad's 3,000 Cap1 Credit Steps CLI

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‎03-23-2013 03:39 PM

Just curious when you got your credit step letter when you first got the card is that the limits they said they would go up to ? Or did they give him more ?
STARTED MYFICO TU 569 EQ 618 1-30-12
CURRENT MYFICO TU 588 EQ 614 2-26-13
MERRICK BANK FICO 539 12-26-12 / 597 2-17-13
GOAL 680+


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