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It's been a long time coming but I have officially arrived!

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MrxLeo
Contributor

It's been a long time coming but I have officially arrived!

I went through some rough financial times about 8 years ago that ruined my credit but the last year has been a complete rebuild process for me.  After subscribing to MyFICO's community I was able to get some rock solid advice and I built my FICO from 608 to 726 over the last 15 months.  Additionally, I've added 5 new credit lines giving me a total limit of $14600.  Today I applied for an AMEX SPG and was instantly approved for $2k!  This is a major milestone for me as I've never been able to obtain an AMEX card, even prior to me ruining my credit, so I feel like I've officially "made it".  lol

 

Thank you MyFICO community for helping me reach my goal and I'll see you at my next goal at $100k CL next year!  


Starting Score: 609
Current Score: EX: 723 (08/18), TU: 741 (08/15), EQ: 695(08/15)
Goal Score: 785


Take the myFICO Fitness Challenge
Message 1 of 14
13 REPLIES 13
missjae
Established Contributor

Re: It's been a long time coming but I have officially arrived!

Congrats, especially on getting in with Amex! That's my next goal.
Message 2 of 14
MrxLeo
Contributor

Re: It's been a long time coming but I have officially arrived!

I may have posted this in the wrong topic section.  This should be in the credit repair section actually.  


Starting Score: 609
Current Score: EX: 723 (08/18), TU: 741 (08/15), EQ: 695(08/15)
Goal Score: 785


Take the myFICO Fitness Challenge
Message 3 of 14
2011beginnings
Frequent Contributor

Re: It's been a long time coming but I have officially arrived!

Congrats!
PenFed AMEX: $5500 | AMEX BCE: $8300 | AMEX E: $5000 | BofA BBR: $5000 | Discover It: $6500 | CSP: $11500 | CF: $5500 | Citi DIVIDEND: $5700 | CITI TYP: $4600 | BofA CR: $7500 | CAP ONE Q: $3000 |

TU: 722 / EX: 763 / EQ: 735
Message 4 of 14
Guyatthebeach
Valued Contributor

Re: It's been a long time coming but I have officially arrived!

Congratulations!  I'm glad to see your hard work has paid off!!!!

Message 5 of 14
coldnmn
Mega Contributor

Re: It's been a long time coming but I have officially arrived!

Congrats! 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 6 of 14
MrxLeo
Contributor

Re: It's been a long time coming but I have officially arrived!

Thanks guys!  I was feeling brave after the approval so I called Discover and asked them to bump me up from $6600 to $9600 and got the approval on that as well!  

 

Cost me another HP but I figure I'll be in the garden for a while so well worth it.  


Starting Score: 609
Current Score: EX: 723 (08/18), TU: 741 (08/15), EQ: 695(08/15)
Goal Score: 785


Take the myFICO Fitness Challenge
Message 7 of 14
09Lexie
Moderator Emerita

Re: It's been a long time coming but I have officially arrived!

You posted in the right section! You can post this thread also in Rebuilding.

Congratulations on your success.
Message 8 of 14
myjourney
Super Contributor

Re: It's been a long time coming but I have officially arrived!

Congrats

 

 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 9 of 14
MrxLeo
Contributor

Re: It's been a long time coming but I have officially arrived!


@09Lexie wrote:
You posted in the right section! You can post this thread also in Rebuilding.

Congratulations on your success.

@Anonymous @09Lexie!  Your advice on the mid-cycle report worked so I was able to take advantage of the promo they had going on for the SPG this month.  Thank you again for the advice or I would've missed the opportunity this month.  


Starting Score: 609
Current Score: EX: 723 (08/18), TU: 741 (08/15), EQ: 695(08/15)
Goal Score: 785


Take the myFICO Fitness Challenge
Message 10 of 14
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