Over the past year I have been monitoring my credit. I started with USAA Credit Check Monitoring with a EX FAKO of 524. I never checked my FICO because it was so low. When I was younger, I demolished my credit (hence the 524). Luckily, all of the collection accounts dropped at the same time - about three months ago.
I have had two Cap 1 cards with $500 limits for about 2.5 years and have excellent payment history. Student loans are PIF with perfect history and I have three auto loans closed but excellent payment as well as a current open auto loan owing $6500 out of $14000 with one 30 day late 2.4 years ago.
So - EX FAKO has jumped from 524 to 747. I decided to pull my FICO and had a EQ 708. I was super excited.
Since the score increase, i have been preparing to garden. I contaced the EO at Cap 1 and was able to get a small CLI to $750 per card. Then went on a small app spree for better cards.
1. Discover IT - $5,500
2. Citi Simplicity - $1,500
3. Chase Freedom - $3,000
I just wanted to give everyone a HuGe ThAnK yOu to this forum for helping me!!! I am planning on hitting the garden and letting these cards grow with me. However, i keep eyeing the USAA AmEx. (But i'm worried about the recent inquiries) Also, planning on a home purchase within the year.
Thanks, again
I have had two Cap 1 cards with $500 limits for about 2.5 years and have excellent payment history. Student loans are PIF with perfect history and I have three auto loans closed but excellent payment as well as a current open auto loan owing $6500 out of $14000 with one 30 day late 2.4 years ago.
So - EX FAKO has jumped from 524 to 747. I decided to pull my FICO and had a EQ 708. I was super excited.
Since the score increase, i have been preparing to garden. I contaced the EO at Cap 1 and was able to get a small CLI to $750 per card. Then went on a small app spree for better cards.
1. Discover IT - $5,500
2. Citi Simplicity - $1,500
3. Chase Freedom - $3,000
I just wanted to give everyone a HuGe ThAnK yOu to this forum for helping me!!! I am planning on hitting the garden and letting these cards grow with me. However, i keep eyeing the USAA AmEx. (But i'm worried about the recent inquiries) Also, planning on a home purchase within the year.
Thanks, again
Welcome to the forums.
Congrats on your acheivement. Great job
Congrats. I love my Discover and Freedom. As for your mortgage and USAA Amex, if you don't get the Amex soon, then wait until after the mortgage. Rule everyone seems to go by here is no apping 6 months before mortgages.
@skyhigh wrote:
Thanks, guys! I greatly appreciate the input. This place has been so great. And I'm afraid I may have entered into another obsession by posting! lol
Welcome and that obsession is ok!
Join in 
very nice limit and apps spree. Congrat....
Starting Score: 560
Welcome and congrats!!!
*8/10/13
