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Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008

My Credit Steps are Complete!!!

Hooray!  Capital One came through for me.  As of yesterday, my new CL is $1000.  Smiley Happy

 

While I know for many of you, that's not terribly impressive, I have not had a non-store card CL of 1k or more since I first ruined my credit at the age of 18, after only about a year of having credit cards.  Smiley Sad  (Just to put that into perspective, I'm 29 now)

 

I didn't know anything about credit repair, so I thought I just had to wait out the 7 years until my credit would improve.  But I also didn't realize I had to try & rebuild credit in the meantime!  So for a long time, my credit was purely negative, with no indication that I was trying to improve it.  I really thought it would improve on its own!  How silly!

 

This year, I have closed almost all of my sub-prime credit cards, & am no longer so willing to pay ridiculous fees in order to improve my credit.  I have only $700 left of credit card debt, & then I will be in an entirely different place from when I found these forums.  I have learned so much about managing my credit cards & keeping my utilization low in order to keep my scores high.  Even though I still have baddies on my reports, I am no longer a scared little victim of them.  I am so proud of myself for making the changes needed to achieve better credit!

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
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Posts: 28,098
Registered: ‎04-01-2007
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Re: My Credit Steps are Complete!!!

Great job! Congrats on the improvements.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
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Re: My Credit Steps are Complete!!!

Congrats!
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
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Re: My Credit Steps are Complete!!!

Hooraah! Smiley Happy

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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
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Valued Contributor
Posts: 2,791
Registered: ‎03-18-2007
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Re: My Credit Steps are Complete!!!

Woohoo, laz!  Good for you!!  Smiley Happy
_____________________________________________________________________________
It's never too late to become the person you might have been. ~George Eliot

02/12/09 EX: 701 / 02/08/10 EQ: 719 / 02/08/10 TU: 723

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Senior Contributor
Posts: 3,702
Registered: ‎01-10-2008
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Re: My Credit Steps are Complete!!!

knowledge is power Smiley Happy really nice work laz98.  keep up the good work, things continue to get better from here!
FICOS:
06/13 EX 765 (PSECU) EQ 771 (DCU) TU 779 (Barclays)
Valued Member
Posts: 32
Registered: ‎04-19-2009
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Re: My Credit Steps are Complete!!!

Wow. That is terrific! Congratulations! How long have you had the Capital One card? I've had them for 2 years and my card limit is only 500.

Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008
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Re: My Credit Steps are Complete!!!

Thank you everyone!  I didn't know being more credit savvy would be so cool Smiley Very Happy

 

@ Akr_Chels:  I got my Capital One Card 9/30/08.  I guess your card was not in the Credit Steps program?

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Valued Member
Posts: 32
Registered: ‎04-19-2009
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Re: My Credit Steps are Complete!!!

No LOL I wasn't aware of such a program. I guest I should give them a call perhaps or give their site a visit. Capital One usually tell me no, every time I ask for some then.
Community Leader
Senior Contributor
Posts: 4,336
Registered: ‎09-06-2008
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Re: My Credit Steps are Complete!!!

[ Edited ]

Akr_Chels wrote:
No LOL I wasn't aware of such a program. I guest I should give them a call perhaps or give their site a visit. Capital One usually tell me no, every time I ask for some then.

You can definitely call & ask.  I was under the impression that it's only something you can be enrolled in when you first apply & get approved for the card.  I'm not even sure what their criteria are for getting enrolled!  Just luck of the draw, I guess.

 

A lot of people here dislike Capital One, but so far, they have held up their end of the bargain, especially with this Credit Steps program.  I even got a CLI between my 1st & 2nd Credit Steps jumps!  I didn't have any problem with my balance transfers, either.  So I am very happy with them, especially compared to the UBER crappy subprime cards I used to have! Smiley Very Happy

Message Edited by laz98 on 04-19-2009 10:05 PM
Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
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