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Frequent Contributor
Posts: 449
Registered: ‎02-03-2014
0

Re: Finally!!

Of all the types of posts on this forum, these are ones I like most.  I've been where you were and it's such a relief to be able to let go of the old rebuilder cards and get ones you've thought about for years.  It takes so much time, effort and a strategic plan.  I commend you for success and may things only continue to get better for you from here on out!  High five!


FICO SCORES: TU 769; EX 790; EQ 790 ***Gardening indefinitely***



Frequent Contributor
Posts: 338
Registered: ‎05-13-2013
0

Re: Finally!!

As one who's posted one of those success threads, major congrats! It is an amazing feeling coming from instant denials for ANY credit to instant approvals for CLs in the thousands. Also amazing feeling closing down the rebuilder/secured cards!

 

Gratz again!

NFCU NavCheck $15k | NFCU cashRewards $12.5k | NFCU goRewards $12.5k |AMEX SPG $10k | Citi AA WEMC $6.5k | CSP $5k | Wal-Mart MC $4.5k | US Air WMC $3.9k | Amex Everyday $2k | Amex BCE $2k | Chase Freedom $1k | Discover IT $800
Current Scores:Equifax 697 (myFICO 4/14), TransUnion 699 (Discover 5/14), Experian 754 (Amex 5/14)
Valued Contributor
Posts: 1,633
Registered: ‎01-23-2013
0

Re: Finally!!


BigBS wrote:

You should feel wonderful about what you have accomplished.  You are on the right path for continued success.


+1

 

This is definitely a great community and you sound like a solid, worthy member of it. Thanks for sharing your story and big congratulations on your great new cards.

 

Valued Contributor
Posts: 1,128
Registered: ‎10-15-2011
0

Re: Finally!!

Congrats.  It must feel so good to getting nearer and nearer to your destination.  I can see the roadsign ahead and can almost make out what it says.  Personally, I hope to hit the 740 club either this year or early next year.  I too used a lot of advice and tried out a few things here and there to see what would happen.  I didn't always make the best choices, but I have gotten some really good results in the longer term of things.  Now all I need to do is learn patience, which is so hard when you have just about every card you could dream about having.  (I don't dream about the high fee status cards thankfully.)  I certainly don't need or want the BLACK card from Barclays!



Rethink every purchase you make, before you make it. Use the card with the best rewards. Pay in full each month. Redeem rewards often. Use the cards online shopping for more discounts. Smile, knowing that being thrifty allows you to actually get more out of the same amount of money!
Established Contributor
Posts: 540
Registered: ‎03-21-2012
0

Re: Finally!!


Genkeim wrote:

As one who's posted one of those success threads, major congrats! It is an amazing feeling coming from instant denials for ANY credit to instant approvals for CLs in the thousands. Also amazing feeling closing down the rebuilder/secured cards!

 

Gratz again!


Well said, agreed.

 

Congrats OP! And maybe you had a thin file or maybe you were rebuilding, but either way, do treat these new TLs well and they will treat you well in return!

 

Thanks for sharing and kudos!

7/11/14 EX 764 - EQ 756 - TU 783 -- (myFico) | 02/14/15 TU 797 (Barclay) | 01/10/15 EX 781 (FNBO) | Mouseover for CLs

Regular Contributor
Posts: 247
Registered: ‎12-01-2013
0

Re: Finally!!

[ Edited ]

Many congratulations, OP!  Reading about your recent successes is very refreshing.  Would you mind sharing your credit scores at the time of your Apps?  Thank you.


CURRENT SCORES: EQ: 628 (12/14/14); TU: 628 (12/10/14); EX: 636 (12/13/14)--All myFICO
STARTING myFICO EQ SCORE:: 507 (11/2013); GOAL SCORE: 700--(All CRAs); GARDENING SINCE: 10/5/14
Established Contributor
Posts: 582
Registered: ‎03-09-2010
0

Re: Finally!!

Make sure to try to PC the Cap One to Quicksilver before you close the account
Frequent Contributor
Posts: 296
Registered: ‎12-16-2013
0

Re: Finally!!

Congrats! :smileyhappy:


Starting Score: No credit history in July 2013, 663 in August (lender pulled)
Current Score: 711 (Discover FICO), 705 (DCU EQ)
Ultimate goal: Buy a house in 2016!
Gardening for now :-)
Regular Contributor
Posts: 216
Registered: ‎04-02-2014
0

Re: Finally!!

Awesome news....congrats!

Regular Contributor
Posts: 203
Registered: ‎07-27-2012
0

Re: Finally!!

Congrats.
Current Cards: AMEX Everyday ($10k), AMEX BCE ($10.2k), Arrival ($7.5k), Merrill+ ($7.5k), Freedom ($5k), Double Cash ($5k)

1/15 - 792 Fico EX (AMEX) - In garden indefinitely.
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