I began my journey one year afgo today -- scores across the board were 550 or less, FICOs. I started with a fresh Start Fingerhut at $300, PIF after 6 months of timely payments and graduated to revolving at just $250.00. . I also opened a Credit One at the same time in 11/14 for $300. In a year's time, I have maanged to get 12 collections removed, 2 charge offs removed, and as of today my last 3 recent minor baddies that were 12 mos old (30 day lates on student loan) removed, resulting in score boost from average 550 -- 700s as of today!!! According to FICOs simulator which has been almost spot on for me, after December 1 my scores should all be 700-730!!!!!!
My Card Lineup NOW:
Barclaycard APPLE VISA: $3,000 CL (opened 12/14 at $750, CLI to $3,000 in April '15)
CreditOne Bank: $850 CL
Western FCU VISA: $3,000 CL (opened 6/15)
Capital One QS1: $2,100 CL (opened 7/15)
Capital One Venture1: $7500 CL (opened 8/15)
CareCredit: $3,000 CL (opened 9/14)
*AMEX Everyday: $2,000 CL (Newest addition! 11/15) -- been EYEING this card!!! Finally in with AMEX!!
*BBVA NBA Amex: $5,000 CL (Newest addition! 11/15), will try to recon limit to $10k on acitvation
I am over the MOON!!!! GARDENING until after Jan 1, then apping for more prime cards for TRAVEL Rewards -- BofA Travel, for sure and possibly another AMEX depending on CLI with them after 3 months. I heard they grow fast?
From $0 available credit one year ago, to over $24,000 today!!!! And counting. My income supports high lines, so I hope to be one of those people with over $100k in credit down the line. I am not a reward churner, but it is always nice to have for rewards, home improvements and travel!! My point is that anyone can do it !!! Hard work, paying off debts, and GWs! ** to all those who told me to hang in there, offered positive pointers and such -- thank you !!! The waiting has paid off!
As a side note, with my scores and stats, what is the BEST prime cash back card? Im psyched for the BBVA Amex as after $500 spend you get a $100 statmernt credit (or NBA merch)...I want a TRUE high earn cash back prime card!! Weigh in gurus!!!! 
Scores: 700 Across board FICO 8s
AAofA: 7 Years, 13 oldest
UTIL: 30% now, once new lines report will be under 20% !
Baddies: - NO Major Derogs (Coll, C/O, over 60 day lates)
- 30 Day late x 2 -- 22 months old, thats IT!!!!!! Student loans, not CC
INQs: Moderate to heavy on EXP & EQ, Light on TU
@Anonymous wrote:I began my journey one year afgo today -- scores across the board were 550 or less, FICOs. I started with a fresh Start Fingerhut at $300, PIF after 6 months of timely payments and graduated to revolving at just $250.00. . I also opened a Credit One at the same time in 11/14 for $300. In a year's time, I have maanged to get 12 collections removed, 2 charge offs removed, and as of today my last 3 recent minor baddies that were 12 mos old (30 day lates on student loan) removed, resulting in score boost from average 550 -- 700s as of today!!! According to FICOs simulator which has been almost spot on for me, after December 1 my scores should all be 700-730!!!!!!
My Card Lineup NOW:
Barclaycard APPLE VISA: $3,000 CL (opened 12/14 at $750, CLI to $3,000 in April '15)
CreditOne Bank: $850 CL
Western FCU VISA: $3,000 CL (opened 6/15)
Capital One QS1: $2,100 CL (opened 7/15)
Capital One Venture1: $7500 CL (opened 8/15)
CareCredit: $3,000 CL (opened 9/14)
*AMEX Everyday: $2,000 CL (Newest addition! 11/15) -- been EYEING this card!!! Finally in with AMEX!!*BBVA NBA Amex: $5,000 CL (Newest addition! 11/15), will try to recon limit to $10k on acitvation
I am over the MOON!!!! GARDENING until after Jan 1, then apping for more prime cards for TRAVEL Rewards -- BofA Travel, for sure and possibly another AMEX depending on CLI with them after 3 months. I heard they grow fast?
From $0 available credit one year ago, to over $24,000 today!!!! And counting. My income supports high lines, so I hope to be one of those people with over $100k in credit down the line. I am not a reward churner, but it is always nice to have for rewards, home improvements and travel!! My point is that anyone can do it !!! Hard work, paying off debts, and GWs! ** to all those who told me to hang in there, offered positive pointers and such -- thank you !!! The waiting has paid off!
As a side note, with my scores and stats, what is the BEST prime cash back card? Im psyched for the BBVA Amex as after $500 spend you get a $100 statmernt credit (or NBA merch)...I want a TRUE high earn cash back prime card!! Weigh in gurus!!!!
Scores: 700 Across board FICO 8s
AAofA: 7 Years, 13 oldest
UTIL: 30% now, once new lines report will be under 20% !
Baddies: - NO Major Derogs (Coll, C/O, over 60 day lates)
- 30 Day late x 2 -- 22 months old, thats IT!!!!!! Student loans, not CC
INQs: Moderate to heavy on EXP & EQ, Light on TU
Totally off the subject but how did you get the student loan lender to remove your late payments. I have one and I can't seem to get Chase to remove it. Ugh!
@Anonymous wrote:I began my journey one year afgo today -- scores across the board were 550 or less, FICOs. I started with a fresh Start Fingerhut at $300, PIF after 6 months of timely payments and graduated to revolving at just $250.00. . I also opened a Credit One at the same time in 11/14 for $300. In a year's time, I have maanged to get 12 collections removed, 2 charge offs removed, and as of today my last 3 recent minor baddies that were 12 mos old (30 day lates on student loan) removed, resulting in score boost from average 550 -- 700s as of today!!! According to FICOs simulator which has been almost spot on for me, after December 1 my scores should all be 700-730!!!!!!
My Card Lineup NOW:
Barclaycard APPLE VISA: $3,000 CL (opened 12/14 at $750, CLI to $3,000 in April '15)
CreditOne Bank: $850 CL
Western FCU VISA: $3,000 CL (opened 6/15)
Capital One QS1: $2,100 CL (opened 7/15)
Capital One Venture1: $7500 CL (opened 8/15)
CareCredit: $3,000 CL (opened 9/14)
*AMEX Everyday: $2,000 CL (Newest addition! 11/15) -- been EYEING this card!!! Finally in with AMEX!!*BBVA NBA Amex: $5,000 CL (Newest addition! 11/15), will try to recon limit to $10k on acitvation
I am over the MOON!!!! GARDENING until after Jan 1, then apping for more prime cards for TRAVEL Rewards -- BofA Travel, for sure and possibly another AMEX depending on CLI with them after 3 months. I heard they grow fast?
From $0 available credit one year ago, to over $24,000 today!!!! And counting. My income supports high lines, so I hope to be one of those people with over $100k in credit down the line. I am not a reward churner, but it is always nice to have for rewards, home improvements and travel!! My point is that anyone can do it !!! Hard work, paying off debts, and GWs! ** to all those who told me to hang in there, offered positive pointers and such -- thank you !!! The waiting has paid off!
As a side note, with my scores and stats, what is the BEST prime cash back card? Im psyched for the BBVA Amex as after $500 spend you get a $100 statmernt credit (or NBA merch)...I want a TRUE high earn cash back prime card!! Weigh in gurus!!!!
Scores: 700 Across board FICO 8s
AAofA: 7 Years, 13 oldest
UTIL: 30% now, once new lines report will be under 20% !
Baddies: - NO Major Derogs (Coll, C/O, over 60 day lates)
- 30 Day late x 2 -- 22 months old, thats IT!!!!!! Student loans, not CC
INQs: Moderate to heavy on EXP & EQ, Light on TU
Congrats and keep up the good work
Good work. Now garden and work on that utilization so you can get higher limits in the future.
