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New Contributor
Posts: 62
Registered: ‎12-25-2009


Hello all,


Did not see a "newcomers" thread so I figured I would make one for myself to say hello.


I have been on the rebuilding path for 7 years now.  I am not sure what my credit scores were back then but I am sure

they were way South of 600.  Here is what my current picture looks like.  Oldest Account is 16 years. 

2 30-day lates dated June of 2003.  EQ is 713 and TU is 710. 


BOA  opened Jun 09, 10K CL, PIF

PENFED opened Jun 09, 3K CL, PIF

PENFED LOC opened Jun 09, 8K CL, zero balance

USAA MC, opened Dec 09, 10K CL, PIF

USAA AMEX, opened Dec 09, 5K CL, PIF

Military store card (STAR) opened 1993, 8K CL, 4K balance

Discover Card (AU - wife) opened 1995, 5K CL, PIF

BOFA MC (AU-wife) opened Sep 08, 9K CL, 3K balance


I do not now what my scores were before my app spree but I know what they are now.


I have 4 IN on EQ and 2 on TU.  I applied for an AMEX earlier (Oct 09) and got declined and those suckers

pulled all 3 CR's...not nice.


Anyhoo I am done applying for cards now and will just wait to see how my scores adjust once

the 2 lates drop off (next year?) and some of my new accounts get a little age on them.


Super Contributor
Posts: 5,759
Registered: ‎01-28-2008

Re: Introduction

Welcome to the forum and good luck in your rebulding credit efforts. 
Valued Contributor
Posts: 2,708
Registered: ‎10-16-2008

Re: Introduction

Hi, swanky!  Welcome to the forum!


Great idea you have in starting this "Introduction" thread for newcomers.  And from the info you posted here, it looks like you've done an outstanding job in rebuilding your credit over the last 7 years, with solid, prime lenders and good limits.


How did you manage this?  And have you been following any of the info posted here in the forums on your journey?


I'm looking forward to seeing what your scores are sometime late summer of 2010, and I'll just bet they'll be up into the 760s, at least.


Congratulations on the new accounts (5 TL's = $36K, in six months!) and on your success in general!!

New Contributor
Posts: 62
Registered: ‎12-25-2009

Re: Introduction

[ Edited ]



I just discovered this forum last week...Smiley Happy  I will be totally honest with you.  I got remarried seven years ago to a great

lady and she helped me to get back on track.  She taught me that making payments on time is easier than not making

them.  I never knew what my scores were and did not want to know.  Multiple charge-off's, lates to 90 days, etc.


Made all payments on-time from 2003 to present.



I went to BOA this past June and the teller said "you are preapproved for a cc".  I almost laughed in her face.

Been burned way too many times with that line.  Went ahead anyways and to my suprise I got approved for

$10K CL.  Never had one more than $1000 before that.  Two weeks later I wanted to confirm if my credit had

improved since I was still skeptical, so I applied to PENFED.  They approved me for an account (they had

declined me for an account a few years ago due to my poor credit).  Then I applied for a cc and they approved

me for $3K...hmmm, ok, so I applied for a LOC for $8K just cuz...they approved that.  Now I was starting to feel

good bout myself. 


Then I applied for the COSTCO AMEX in Oct and got declined.  During this period I had no

clue what my FICO was at all.  Laid low licking my wounds from the AMEX decline for a few months.  2 Weeks ago

I got a "pre-approval" letter from USAA for a MC (I have auto and life insurance through them).  I usually throw

these out (especially after the COSTCO AMEX pre-approval) but I noticed the envelope was ripped open.

I called USAA and told them to put a watch on my account and while I was on the line the CSR said

" you should submit an app" I said go ahead and got approved for the MC with a $10K limit.  The decline

on the AMEX was still sore so when I saw that USAA had an AMEX card I called back a week later and

spoke with a CSR on the phone and she asked me how much I wanted the limit to be.  I said $3K would

 be great (just wanted it for COSTCO).  She came back a minute later and said that my CL was $5K.

Then I found this forum a day or two later. 

Message Edited by swanky on 12-30-2009 02:16 PM
Regular Contributor
Posts: 169
Registered: ‎11-01-2009

Re: Introduction

Congrats! Those are some pretty nice credit limits. Were all of your limits just based off of your good credit standing, or was your income a factor in the approval and high limits?


Starting Score: 665
Current Score: 715
Goal Score: 750

Take the FICO Fitness Challenge

New Contributor
Posts: 62
Registered: ‎12-25-2009

Re: Introduction

Well for BOA and PENFED they never asked for income.  USAA asked what I made and what my wife made. 

I make about $50K and my wife makes about twice that.  So not really sure what the answer is.  Probably a lil of both?

Established Contributor
Posts: 760
Registered: ‎04-30-2007

Re: Introduction

Swanky, welcome to the forums, and congrats on all your great rebuilding! I hope to see you back here again!
pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749
Valued Contributor
Posts: 2,708
Registered: ‎10-16-2008

Re: Introduction

swanky, you've hit a home run...great credit successes and a great lady, too!


Make sure to use a bit of those new credit lines (here and there) for the occassional "there's-no-particular-reason-except-I-love-you" gift for her!  (But I think you probably know that already...)


Have a very Happy 2010!






Senior Contributor
Posts: 4,302
Registered: ‎05-01-2008

Re: Introduction

Congrats on the journey you've made!!!  Sounds like the lady knows how to make her money work for her!


Happy new year & happy credit gardening to you!!  Grab one of those cards & get yourself a nice bottle of champagne for tonight!!

Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 07/2015 TU 730 - EQ 699 - EX 724
Goal Score: 850

Bury me in the garden...last app 08.09.15

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