Reply
Frequent Contributor
axledobe
Posts: 368
Registered: ‎02-03-2014

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 771; EX 788; EQ 791 ***Gardening until 7/2015***



Frequent Contributor
Genkeim
Posts: 326
Registered: ‎05-13-2013

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 | AMEX SPG $10k | NFCU Visa Signature cashRewards $8.5k | CSP $5k | Wal-Mart Discover $3k | 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
Gunnar419
Posts: 1,131
Registered: ‎01-23-2013

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.

 

Established Contributor
TiggerDat
Posts: 1,013
Registered: ‎10-15-2011

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!


Grow little seedling grow.

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!
Frequent Contributor
vpae
Posts: 431
Registered: ‎03-21-2012

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!

3/25/14 EX 767 - EQ 755 - TU 777 -- (myFico) | 3/28/14 TU 778 (Barclay) | 5/10/14 EX 803 (FNBO) | Mouseover for CLs

Regular Contributor
OneDay_750
Posts: 232
Registered: ‎12-01-2013

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: 619 (07/14/2014); TU: 604 (03/2014); EX: 618 (03/2014)--All myFICO
STARTING SCORE: EQ: 507 (11/2013)--myFICO; GOAL SCORE: 675--(All Around); GARDENING SINCE: 06/14/14

Regular Contributor
Chris679
Posts: 225
Registered: ‎03-09-2010

Re: Finally!!

Make sure to try to PC the Cap One to Quicksilver before you close the account
Frequent Contributor
aubie1kenobie2
Posts: 255
Registered: ‎12-16-2013

Re: Finally!!

Congrats! :smileyhappy:


Starting Score: No credit history in July 2013, 663 in August (lender pulled)
Current Score: 728 (Discover FICO), 716 (DCU EQ)
Goal: Get my first car loan in 2014! -- done! Next goal: Get one of my Amex cards to a 5-digit CL!
Gardening until December 2014 :-)
Regular Contributor
alinoapa
Posts: 165
Registered: ‎04-02-2014

Re: Finally!!

Awesome news....congrats!

EQ 649 (MyFico) 7/30/14, EX 661 (MyFico), 7/17/14, TU 660 (Barclay) 7/24/2014

Starting EQ 582
Regular Contributor
ceemee2203
Posts: 201
Registered: ‎07-27-2012

Re: Finally!!

Congrats.
Current Cards: AMEX Green, AMEX BCE ($15.2k), AMEX SPG ($6k), Arrival ($7.5k), Merrill+ ($7.5k), Freedom ($5k)

4/14 - 762 Fico (Barclaycard)

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+