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First real success story- Thanks to you guys!

First real success story- Thanks to you guys!

Hi all! This is only my second post here, but I've been lurking for well over a year. I just wanted to share a success story and lessons learned from these forums.

 

My current situation is 4 baddies with 4-18 months before they drop off. I have a FICO EQ of 630 and FAKO's EX 588, TU 628. I've got an Orchard card ($200 limit, 1.4 years) and a First Premier ($300, 8mos). Very much 'training wheel' cards, but they were important for payment history, which I learned here on the forums.

 

So, having crossed the 1 year AAoA boundary, I decided it was time to try for credit that was a little less 'sub-prime' Smiley Very Happy 

 

I had relatively low expectations, so first I applied for the Hooters card. Got a 7-10 day message; still waiting on that one. Then decided I could live with one more hard pull (can you live with the decision for two years, I asked myself, having learned that lesson here, on the forums) and decided to apply for the Amazon.com Visa.

 

I danced around the living room when I got an instant approval ... for $2,000!

 

And I'd be dancing even more today (if I didn't have the flu) because that was just the temporary limit: The official limit is $3,200!

 

I know some of you credit jedi would be unhappy with that, but honestly, I didn't expect anything like a ten-fold increase over my next highest card.

 

So thanks to all the helpful, conscienscious posters here. Sharing your advice and experiences has really made a difference for me, and probably countless other lurkers Smiley Happy

Message 1 of 15
14 REPLIES
Frequent Contributor

Re: First real success story- Thanks to you guys!

Nice! Keep developing your better habits and keep em.
TransUnion/Equifax
746/754
Date: 9/24/2009/10/02/2009
Message 2 of 15
Moderator Emerita

Re: First real success story- Thanks to you guys!

That's the way to get a Friday morning started out right! Smiley Happy

 

BIG congratulations! Your hard work is paying off.

-------------------------------------------


Friendly, Supportive & Respectful


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"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli

Message 3 of 15
Senior Contributor

Re: First real success story- Thanks to you guys!

Congrats!!! Those are the steps that count.  In the beginning...apping for what you can get, not what you want.  What you want can come later.

 

Those are cards that can grow with you too!  So that is also a good, smart move!  Congrats again on the new addition to your CC family!!! 

 

 

* I remember the day I got my first "prime" card....I cried! Smiley Happy



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 04/2017 TU 754 - EQ 757 - EX 747
Goal Score: 850

Bury me in the garden...last app 08.09.15

Message 4 of 15
Valued Member

Re: First real success story- Thanks to you guys!

Congrats!

 

I just applied also, Got an instant approval on the amazon visa. I got a temp limit of 500. not sure who they pulled? TU 660 EQ 667

 

Chris

Message 5 of 15
Senior Contributor

Re: First real success story- Thanks to you guys!


MercerMachine wrote:

Hi all! This is only my second post here, but I've been lurking for well over a year. I just wanted to share a success story and lessons learned from these forums.

 

My current situation is 4 baddies with 4-18 months before they drop off. I have a FICO EQ of 630 and FAKO's EX 588, TU 628. I've got an Orchard card ($200 limit, 1.4 years) and a First Premier ($300, 8mos). Very much 'training wheel' cards, but they were important for payment history, which I learned here on the forums.

 

So, having crossed the 1 year AAoA boundary, I decided it was time to try for credit that was a little less 'sub-prime' Smiley Very Happy 

 

I had relatively low expectations, so first I applied for the Hooters card. Got a 7-10 day message; still waiting on that one. Then decided I could live with one more hard pull (can you live with the decision for two years, I asked myself, having learned that lesson here, on the forums) and decided to apply for the Amazon.com Visa.

 

I danced around the living room when I got an instant approval ... for $2,000!

 

And I'd be dancing even more today (if I didn't have the flu) because that was just the temporary limit: The official limit is $3,200!

 

I know some of you credit jedi would be unhappy with that, but honestly, I didn't expect anything like a ten-fold increase over my next highest card.

 

So thanks to all the helpful, conscienscious posters here. Sharing your advice and experiences has really made a difference for me, and probably countless other lurkers Smiley Happy


Congratulation on a nice approval! Take good care of that card!

Message 6 of 15
Senior Contributor

Re: First real success story- Thanks to you guys!

Awesome! 

 

Congrats!

 

 

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 7 of 15
Moderator Emeritus

Re: First real success story- Thanks to you guys!

And I'd be dancing even more today (if I didn't have the flu) because that was just the temporary limit: The official limit is $3,200!

 

I know some of you credit jedi would be unhappy with that,

 

After my BK many years ago I would have been dancing just like you.  Congratulations!!

Message 8 of 15
New Contributor

Re: First real success story- Thanks to you guys!

Congrats!  I started my road to recovery with that exact same Orchard card and CL.  I'm still not where I want to be but I seem to have all the prime cards people talk about as well as the hot CU cards.  The next step is higher scores so I can get the lowest APR tier offered.  Keep up all your great work!!

Message 9 of 15

Re: First real success story- Thanks to you guys!

Thanks, all!

 

Chris, for me they pulled TU. I checked on the creditboards database first to see who they might pull; about half the time they pull TU, but it could have been any of the three. So now my TU has three hard pulls total, EX 2, EQ none. I can live with it Smiley Happy

Message 10 of 15