11-05-2012 06:37 PM
11-05-2012 06:52 PM - edited 11-05-2012 06:55 PM
Just wanted to share my recent success with you guys. I started with a FICO score of about 630 back in June (No history besides a few student loans reporting) and now I've reached these scores: Exp: 688 Trans: 725 Equi: 695 (All FICO) and I am pretty happy to say the least!
As far as my app spree:
American Express Delta Skymiles: Declined :/ all 3 CRA's pulled (will try again after 6-12 months of gardening)
Discover Motiva: Approved with a $1500 CL (received an invitation for the More card but was counter-offered)
Paypal Rewards MC: Approved with a $1000 limit
Walmart Discover: Approved with a $1000 limit
Barclays Extra Rewards NFL : Approved with a $500 limit (will not be keeping this card.. regretfully I really will not need it/want it)
Thanks again for all the help received through searches on here..I'm EXTREMELY excited to grow with these cards. Now for the next year I'll be gardening so that I can app for an Amex revolver and Chase Sapphire :-)
Where are your credit union applications with low apr for purchases and cash advances. Think insurance!
I just got into a credit union a few weeks ago.. I'm going to build some positive banking history with them and then hopefully app next year
11-05-2012 06:57 PM
Congrats!! Better get to the garden now!!!!! Weird that you didn't get Amex.
I got approved for Discover Motiva, and then the same night, got approved for Amex BCE!! Score was 696 TU Fico.
Honestly that was a devastating denial for me! I was really looking forward to having that Amex . I'm guessing that an unpaid collection from a few years ago + my 9 inquiries may be the reason why. I'll get a PFD and garden for a few months and then try again.
11-05-2012 07:04 PM
11-05-2012 07:45 PM
In my experience; I got approved with amex on a NPSL charge card with collections that were paid. Good luck to you.
Thanks! I will try again next year. Looking for a charge card and maybe the BCE.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.