10-06-2012 12:20 PM
Well after starting 7 months ago on myfico with a score of just over 580, I'm now at 740 and just closed on a home and did a refi on my car at 2.75% I also did an app spree. Household income is around 75k
chase freedom - 6k
bofa 123 - 5k
us bank cash+ - 5k
amex bce - denied off a SP. high internal risk and outdated SP
citi Ty - denied for not having high enough revolving use and high inquiry count( last card applied for, glad I didn't get It. I really applied on adrenaline)
Added 16k in sig cards. I've never had more than junk cap one credit step cards. Happy man
10-06-2012 12:24 PM
10-06-2012 12:36 PM - edited 10-06-2012 12:37 PM
FYI- It looks like you just cleared the bar for a visa sig with bofa (5k is the minimum cl). Consequently, it is very likely that the limit on the 123 card will not be reported. Probably not a big deal anyway since your other limits are comparable
edit to add- AFAIK bofa is the only lender that does not report visa sig cls
10-06-2012 12:47 PM
congrats. treat them nicely.
|Current: Discover Fico 701 3/15 Walmart Fico 684 1/15|
Inquiries (24 Months): EQ 5 TU 1 EX 1 | Most Recent: 03/23/2015
15% right now, but going up soon
|Amex Zync(Unicorn) |
Citi Diamond Preferred$6000
10-06-2012 12:51 PM
That's fantastic!!! Congratulations!!!!!
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.