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Regular Contributor
unlucky_hove
Posts: 148
Registered: ‎05-21-2010
0

Hard work is finally paying off!!!!

Last week I was notified by scorewatch that my FICO had increased. I logged in immediately and to my surprise my score jumped from 620 to 668. Initially I was going to garden a few more months, but I thought to myself  "What the hell, this is what you been working for." Earlier this week I apped for the USAA cash rewards visa and was approved for 3k. Then after years of trying to get my foot in the door with Discover, I was finally accepted today! Just approved for the Discover More card, interest rate and CL is not the best but Im ok with it. It was a long, tough road for me rebuilding my credit, but I am now able to reap the benefits. Who is happy? THIS GUY!!!:smileyvery-happy:

Moderator Emeritus
fused
Posts: 16,374
Registered: ‎03-12-2007
0

Re: Hard work is finally paying off!!!!

A big congrats to you! It feels great doesn't it?

Credit Profile -
FICO 08 Scores (09-16-2014): EQ 824, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)

Valued Contributor
discernment
Posts: 1,142
Registered: ‎09-01-2011
0

Re: Hard work is finally paying off!!!!

Your news is SO encouraging!  It helps the rest of us who are still doing the hard work know that one day it will be worth it all. 

 

CONGRATULATIONS!!!



Husband's Current Score: EX 691 CUSC; EQ 694; TU 687; Mine: EX 773 (AMEX); EQ 720; TU 750
Wallet Contents: SECURED: Capital One Platinum Mastercard, US Bank Harley Davidson Visa, USAA Bank American Express;
UNSECURED: Chase Freedom; USAA Cash Rewards World Mastercard, Discover More, CUSC Platinum Rewards Visa, American Express Zinc, American Express Blue Cash Preferred, Amazon Card, Walmart Discover Card
Contributor
Elated
Posts: 89
Registered: ‎06-13-2008
0

Re: Hard work is finally paying off!!!!

Congrats to you Unlucky...it definitely appears as though your luck has changed.

 

As another poster posted...this is a great motivator for the rest of us who are rebuilding!:smileyhappy:

Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008
0

Re: Hard work is finally paying off!!!!

Congrats !!

 

I know its a great feeling :smileyhappy:




Frequent Contributor
jasimae
Posts: 311
Registered: ‎07-18-2011
0

Re: Hard work is finally paying off!!!!

That's awesome.  Congrats!  So can we assume that you have no baddies on any of your reports?

Established Contributor
FloridaState12
Posts: 614
Registered: ‎08-24-2011
0

Re: Hard work is finally paying off!!!!

Congrats!! I know the feeling. I was finally able to get into that upper-echelon of credit cards with my recent AMEX and Citi cards. Finally upgrading from those crap beginner cards feels amazing!

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New Member
bobbyk4
Posts: 6
Registered: ‎10-12-2011
0

Re: Hard work is finally paying off!!!!

congrats! :smileyvery-happy:

 

always great to hear about people's successes.

Frequent Contributor
raenys
Posts: 387
Registered: ‎08-25-2011
0

Re: Hard work is finally paying off!!!!

Big CONGRATS!

It is always a great feeling getting the cards you actually want. :smileyhappy:

Regular Contributor
unlucky_hove
Posts: 148
Registered: ‎05-21-2010
0

Re: Hard work is finally paying off!!!!


jasimae wrote:

That's awesome.  Congrats!  So can we assume that you have no baddies on any of your reports?



Thanks everyone!

I do have a few baddies left on my reports. I have a BOA charge off and two paid collections from a cable company showing, all due to drop off 8/12. I also have two 30 day lates showing from a car loan three years ago and on TU, EX only I have a paid judgement showing (from BOA charge off) due to drop 9/15. USAA only pulled EQ, but I received a secured Amex with them in June so that probably factored into getting the CC with them. I have no idea how I was approved for the Discover, maybe because my baddies are really old, Discover pulled EQ and TU. In 2006 my FICO was 490, now im sitting at 668, knocking at 700's door!!


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