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Established Contributor
Posts: 500
Registered: ‎02-02-2013
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I'm so HAPPY :')

I am soo happy!  I have been trying so hard to get some sort of positive tradelines on my credit and seemed hopeless since I couldn't get approved for a secured card.

 

I had applied for Bank of America Platinum Visa card after getting a pre-qual or pre-approval online (can't remember which) I received the letter in the mail yesterday and was denied due to lack of credit history.  I called to recon and talked to a credit analyst, he said pay of your charge off and we'll might approve you in six months.  But I had a feeling I should contact the CEO, which I did for reconsideration.  I received a call from an amazing lady that works on the card servies management team.  She was very personable and nice but tried to convince me to get the secured card and I kept declining (lack of funds lol) but while I was talking to her I think I was impressing her with my knowlege of credit thanks to this forum and we spoke of utilization, paying before due date to avoid interest etc. She asked that I email her a copy of my Aaron's payment history for consideration.  I emailed her and said I couldn't get it until monday and not 30 minutes later she called me personally again and said that I impressed her with my knowledge of credit and I clearly know what my goals as far as my credit is concerned and that someone needed to give me a chance and she wanted to be that person!

 

And she APPROVED ME for a $500 Bankamericard Platinum visa!   I could not stop thanking her for giving me the chance!  I plan on only using this for gas every month which is usually less than $50 (I work from home)

 

With this reporting along with Fingerhut when it does and Aarons I think I have a good chance at my dream, owning a home!

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Moderator
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Registered: ‎09-13-2012
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Re: I'm so HAPPY :')

Community Leader
Senior Contributor
Posts: 27,033
Registered: ‎02-07-2013
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Re: I'm so HAPPY :')

Congrats and may all your dreams come true

+ Chase ink =




Established Contributor
Posts: 500
Registered: ‎02-02-2013
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Re: I'm so HAPPY :')

Thank you so much! I have literally been trying to get some sort of credit since I was 18 and I am now 25 LOL

 

I can't wait to see how this will affect my score!

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: I'm so HAPPY :')

CONGRATS!!!

Your credit journey has begun!!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 500
Registered: ‎02-02-2013
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Re: I'm so HAPPY :')


LS2982 wrote:
CONGRATS!!!

Your credit journey has begun!!

Ah it has huh?! :smileyvery-happy: I am ready for the ride! 

 

She told me they are very generous with the CLI as well and they may automatically do it within 30 days ! Insane! If they don't I probably won't request one until the 6month to a year mark. 

 

Does anyone know how long it normally takes them to report? 

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Member
Posts: 30
Registered: ‎02-24-2012
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Re: I'm so HAPPY :')

Congrats to you!!

Most recent FICO via TU (Discover provided) 715 2/13/2015. Overall utilization 25%. Wallet: AMEX EveryDay $20,000 | AMEX Blue Cash $4,600 | BankAmericard Better Balance Rewards $13,000 | Citi Simplicity $10,300 | Citi Diamond Preferred $5,100 | Discover IT $3,000 | Capital One Quicksilver $3,000 | Chase Freedom $10,000 | Chase United $5,000 | Chase Southwest $5,000 | Chase Slate $5,000 | Express Store Card $1,690 | Macy's Store Card $6,500 | Overstock.com Store Card $5,800 | Paying off car this year at 0%!
Established Contributor
Posts: 505
Registered: ‎11-05-2012
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Re: I'm so HAPPY :')

feel so good huh? i know how you feel ^-~. congrats

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: I'm so HAPPY :')

[ Edited ]

2FixMyCredit wrote:

LS2982 wrote:
CONGRATS!!!

Your credit journey has begun!!

Ah it has huh?! :smileyvery-happy: I am ready for the ride! 

 

She told me they are very generous with the CLI as well and they may automatically do it within 30 days ! Insane! If they don't I probably won't request one until the 6month to a year mark. 

 

Does anyone know how long it normally takes them to report? 


Usually 1-2 statement cycles.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: I'm so HAPPY :')

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
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