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Established Contributor
amercnchopz34
Posts: 823
Registered: ‎10-28-2011

MY CREDIT CARD SUCCESS.....owed to you guys...CSP in sights next year

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‎01-07-2013 02:09 PM

Hey guys

 

A little back story ,in November of 2011 I started my rebuilding from a BK7 in 2005.....In the past year + ,I have manged to get my scores into the low 700 and I do believe I am in primeville somewhat.

 

I have managed to secure some of my most sought after cards for me and I owe in great part to all the members advice and opinions on this forum..

 

In November I recieved  my coveted Amex Green,Discover IT, BCP and Delta Gold Skymiles.....I just reached the 61 day CLI date and was moved from 5000CL to 6500CL on my Delta Gold.   Happy Dance!!!!!

 

 

My history is this:

 

AAoA is around 5.4 yrs

Inquiry heavy from my November app spree...about 10 on EQ ,5 on EXP and 6 on TU

my cc are in Siggy

Overall Utility is  17% currently

 

I am trying to stay in garden till 2014 ,The only cards I want (NOT NEED) to round things out are..... Chase Sapphire Preffered or Chase Sapphire (I bank with chase) and or maybe the Citi Forward card for the cash back...

 

What do you think my chances are for late this year on these cards?

 

Thanks again

 

 

 

 

Amex Green (NPSL) , Amex Delta Gold ( 6500) Amex BCP (2000) Amazon store (5000) Capitol One (5000) Barclay NFL Bears (5000) Alliant MC (5000) Fairwinds CU Visa (2500) HHGregg (4000) Discover It (5000) Chase CSP (5000) Best Buy Store Card (4000) Citi Diamond (1200) Citi TY Preffered (2000)


BK 7 in 2005.....
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trishdadish
Posts: 93
Registered: ‎01-15-2009

Re: MY CREDIT CARD SUCCESS.....owed to you guys...CSP in sights next year

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‎01-07-2013 02:12 PM

Mucho congrats! You should be so proud of your dedication and achievements!

04/12/13 MyFICO TU = 782. 04/09/2013 MyFICO EQI = 762. Apr. 9; Walmart TU = 773
New Cards: Discover More, $8,300, Chase Freedom $2,800, Chase Amazon $1,500, Walmart store $6,500, AMEX Zync NPSL (9/17/12). US. Bank Cash Rewards, $3,500 (Nov. 2012). AMEX SPG $6,000, PenFed Plat. Cash Rewards $17,500, PenFed P-LOC $10,000, Citi Forward $4,000 (Feb. 2013). Evolved from $1,320 in credit lines (2) in 2011 to $73,000 in credit lines (11) now!

Recently (Nov/Dec. 2012) closed: Cap 1 Visa $800, Cap 1 MC $520
Obtained a $17.7K new auto loan @ 1.74% / 5 yrs on 9/17/12.
Other Stuff: AAOA = 4 years; Oldest Acct. = 22 years, 2mo. (hello, AMEX backdating!!! :-) . Apping in the Midwest (MO)
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Valued Contributor
09Lexie
Posts: 5,207
Registered: ‎09-13-2012

Re: MY CREDIT CARD SUCCESS.....owed to you guys...CSP in sights next year

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‎01-07-2013 02:21 PM

Wonderful !


Starting Score: 600's
Current Score: Exp Plus 743 04/13; 707 LP Discover 01/13 ; 733 05/13, 693 04/13, 703 03/13, 02/13, 702 TU WalMart 01/13; 702 EX LP 11/12; EQ 699 MyFico 01/13, EQ 699 11/12, CS 714 03/13
Goal Score: 800
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rtw
Posts: 753
Registered: ‎05-01-2012

Re: MY CREDIT CARD SUCCESS.....owed to you guys...CSP in sights next year

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‎01-07-2013 02:31 PM

Congrats! Chase seemed to be inquiry sensitive to me. I had a couple of failed recon attempts for the Freedom mid summer. They were concerned with my recent build up of credit. That being said they approved me for the CSP in September. I would probably still suggest waiting until the end of the year at the earliest to apply.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 725 (PSECU 5/11/13) TU: 722 (5/23/13) EQ: 695 (5/23/13)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 10K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 4.1K Barclays USAir 7/12 | 5K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
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amercnchopz34
Posts: 823
Registered: ‎10-28-2011

Re: MY CREDIT CARD SUCCESS.....owed to you guys...CSP in sights next year

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‎01-07-2013 03:44 PM

rtw wrote:

Congrats! Chase seemed to be inquiry sensitive to me. I had a couple of failed recon attempts for the Freedom mid summer. They were concerned with my recent build up of credit. That being said they approved me for the CSP in September. I would probably still suggest waiting until the end of the year at the earliest to apply.

yeah I wanted to wait till all new accounts age a bit.......any ideas on Citi??

Amex Green (NPSL) , Amex Delta Gold ( 6500) Amex BCP (2000) Amazon store (5000) Capitol One (5000) Barclay NFL Bears (5000) Alliant MC (5000) Fairwinds CU Visa (2500) HHGregg (4000) Discover It (5000) Chase CSP (5000) Best Buy Store Card (4000) Citi Diamond (1200) Citi TY Preffered (2000)


BK 7 in 2005.....
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tinuviel
Posts: 3,900
Registered: ‎11-02-2010

Re: MY CREDIT CARD SUCCESS.....owed to you guys...CSP in sights next year

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‎01-07-2013 03:45 PM

Congrats! You've done a great job rebuilding; keep up the good work!



Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
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flashevo
Posts: 84
Registered: ‎07-12-2011

Re: MY CREDIT CARD SUCCESS.....owed to you guys...CSP in sights next year

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‎01-07-2013 05:10 PM

Good job on rebuilding your credit. Keep it up.
US Bank Flex Perks (9k); Barclays Rewards (8k); Chase Freedom (8k); BOA Travel Rewards Sig (7.5k); Discover IT (6.5k); Walmart Discover (3k); Wells Fargo Secured (9.5k); Cap One Secured (3k); Bloomingdales Amex (5k); Macy's Amex (5k); Paypal Extras Mastercard (3k); Bananna Republic Visa (3k); Lowes (2k); Sams Club Discover (2.5k)....In the garden since 4/3/13



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loviedovie
Posts: 135
Registered: ‎12-20-2012

Re: MY CREDIT CARD SUCCESS.....owed to you guys...CSP in sights next year

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‎01-07-2013 05:43 PM

This is awesome! Hi five :smileyhappy:

Starting Score: TU 610 EQ FICO 635
Current Score: EXP 688 EQ FICO 701
Goal Score: 740 by NYE 2013

Take the myFICO Fitness Challenge
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Established Contributor
tennisfan78
Posts: 580
Registered: ‎09-18-2011

Re: MY CREDIT CARD SUCCESS.....owed to you guys...CSP in sights next year

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‎01-07-2013 07:40 PM

 

 

Congratulations!!!

Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
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Shogun
Posts: 7,374
Registered: ‎04-15-2011

Re: MY CREDIT CARD SUCCESS.....owed to you guys...CSP in sights next year

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‎01-07-2013 07:55 PM

Congrats!

Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
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