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 high internal risk and outdated SP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 709 3/15 Walmart Fico 743 4/15|
Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
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Citi DC $10,000
10-06-2012 12:51 PM
That's fantastic!!! Congratulations!!!!!
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