09-13-2012 05:36 PM
09-13-2012 05:48 PM
Hey folks, a few years ago my credit was in the toilet. I had a 570 fico and the best credit card I had was an orchard bank card that I paid $250 app fee with a credit line of $500, oh and I also had a New Millenium secured card ( I Actually liked New Millenium ) well a few short years later and several disputes I can now say that I am riding on the upper echelon of credit worthiness. I'm currently sporting the Amex Gold Preferred, Chase Saphire, Amex Gold Business, Chase Ink, Barclays US Airways, Chase Freedom, US Bank flex perks, Citi Thank you. I got all cards for some pretty nice sign up bonuses and because my spend is decent I get some nice point accumulation. I dont carry balances on any of my cards because i know that i never want to be in credit trouble again. Just in 2012 I have been to Cancun 3 times, LA, Punta Cana, and Houston all using points transferred to FF miles and I still have about 338k points. So if anyone is on here thinking of the long road ahead to excellent credit, believe me it's very doable and will not take that long, just stay diligent and you can do it too. Current fico is 768
Wow! Great testimony!
Look what can happen if you play by the rules.
09-13-2012 05:51 PM
Good for you!!! I know a few people that visited Punta Cana, I have to stop slacking and renew my passport..
09-13-2012 06:04 PM
It's always great to hear about people recovering from credit problems, and I think stories like that do wonders for a lot of people on the fico forums who are currently in the same position you were in just a few years ago.
09-13-2012 06:43 PM
the worst part is waiting!.
i want my credit high now and my aaoa.
but you cant have high aaoa unless you have a few extra years on yourself.
|Current: Discover Fico 689 7/14 Walmart Fico 697 8/14|
Inquiries (24 Months): EQ 6 TU 3 EX 4 | Most Recent: 09/04/2013
|Amex Zync(Unicorn) |
Citi Diamond Preferred$6000
09-13-2012 06:47 PM
09-13-2012 07:38 PM
congrat man finally got your paid back...
09-13-2012 07:54 PM
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