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 high internal risk and outdated SP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 12:28 PM
Amazing, congrats to you!
10-06-2012 12:35 PM
Great story. Congrat. I know how it feels after my recent app spree.
10-06-2012 12:36 PM - edited 10-06-2012 12:37 PM
Congrats.
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: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13) Starting total revolving credit: $2600 | Current total revolving credit: $21,600 Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012 | Freedom Signature Costco:True Earnings | Amex Zync(Unicorn) Chase Freedom$1500 Citizens Mastercard$5000 |
10-06-2012 12:51 PM
That's fantastic!!! Congratulations!!!!! ![]()

10-06-2012 01:14 PM
Very nice CL's congrats.
10-06-2012 01:16 PM
Great job! After several months I bet you get some very nice CLI's!
10-06-2012 01:53 PM
Congrats

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