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Frequent Contributor
Countingpennies
Posts: 465
Registered: ‎02-14-2013
0

Re: My story, and yes IT meaning a great score can be done..

Thanks for sharing your story. Very encouraging for those of us rebuilding. I'm impressed by your patience, that seems to be a necessary but hard to grasp trait for this process. Great job, and all my best to you.
New Contributor
rex_03
Posts: 131
Registered: ‎11-08-2007
0

Re: My story, and yes IT meaning a great score can be done..

Thanks

New Contributor
rex_03
Posts: 131
Registered: ‎11-08-2007
0

Re: My story, and yes IT meaning a great score can be done..

[ Edited ]

Rackham94:

 

I went with a chase slate initially and got 2K. Then with CSP and got 5K, both instant approval. I lastly wanted a freedom for the rotating categories to turn into UR points but was given the 7-10 message. I had to call twice, but I got it albeit taking 1K from my CSP. Chase likes to be conservative I guess with a new relationship, as I haven't had any of their products in past. For the freedom I wanted a small limit as its for the rotating categories. Lastly, yes it's a Visa Signature.

Regular Contributor
GetTheFico
Posts: 171
Registered: ‎09-22-2012
0

Re: My story, and yes IT meaning a great score can be done..

I sure did enjoy reading that, congratulations.
EQ: 714, TU: 706, EX: 684

NFCU cashRewards, Discover it, Chase IHG, Barclay Arrival, AmEx BCE, Barclay Sallie Mae, Chase Marriott, Citi Double Cash
Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011
0

Re: My story, and yes IT meaning a great score can be done..

Wow. what a story !

 

Dude, this is wicked cool. I appreciate how you got your act together and fixed your credit over time. Not many people know how to do that and go app happy the moment they get their first card.

 

Congratulations!

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Frequent Contributor
unc0mm0n1
Posts: 424
Registered: ‎03-05-2013
0

Re: My story, and yes IT meaning a great score can be done..


vish1 wrote:

Wow. what a story !

 

Dude, this is wicked cool. I appreciate how you got your act together and fixed your credit over time. Not many people know how to do that and go app happy the moment they get their first card.

 

Congratulations!


+1

Last App December 7, 2013. Gardening until May 20, 2014
Current Score: 720 EX 714 EQ 712 TU 12/10/2013Goal Score: 720 across the board
Moderator Emeritus
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
0

Re: My story, and yes IT meaning a great score can be done..

Thanks for sharing your story. After going through a major rebuild of my own, I can well appreciate what you've been through. It's an amazing feeling going from feeling like a credit leper to feeling creditworthy. You've obviously been doing a good job with managing your rebuilder cards, so you can keep applying those habits to your big limit cards. I really love reading stories like these, as they help to show others that, as you said, it CAN be done. Congrats on your really good scores, and enjoy your new cards. :smileyhappy:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

Re: My story, and yes IT meaning a great score can be done..


rex_03 wrote:

   I have been a short-time lurker if you will. I have a story as everyone does too. When I was younger (as I'm 37 now) my parents didn't teach me the values/importance of credit. I got a few cards at 18, charged em' up, and couldn't pay the bills.. You guessed it, I defaulted, and went into collections. This nightmare went on for a DECADE. I couldn't do anything, and lived off cash, or going without. Forward through time, at about 32 I'd say, I started to see that items were falling off my credit report, so I went for Orchard Bank. God aweful annual fee, and such, but hey they reported. I had that for a year, as I didn't want to incur anymore fees than I had too, but they reported to all three credit agencies. About this time, I went for my first unsecured card, a Target store card. 200$ limit, but I thought, and was happy that it was a card! I had this for a year or so, and went to the big time (As I thought) coming from nothing. "Rebuild" was my thought. I was 34 I think, and went for Capitol one ( Two seperate cards) with 750 limits on both. A short bit later I went for a Wally store card, and BJ's Visa. They were good to me, as Wally gave mt CLI most times when I hit the luv button. I had a carried balance on the BJ's card for the longest though.. I aslo went for a credit union card around this time and got my largest  CL to date 2500! I was ecstatic, and it carried me through the rest of my schooling. I'm trying to recall the specifics, but it was a few years ago.

   Carry forward to Apr 13' and I'm at a point where I have a few balances. I have a score in the 650's I'd best guess. I'm in the living room with my girlfriend, and looking for a way to hget my balances on my BJ's, and credit union card to ZERO percent, and I'm terrified to hit the app. button, as I have come from nothing, and sub-prime cards as I'd call them. I start with a Chase Slate, and approved on 2K. That takes care of one card, but I need one more to get the other balance. I app. for the Discover IT card thinking "Yeah right", but I got 4.5K CL there . I moved my only other balance to that, and not max out that card (Either to think of it).

    I'm riding high, as I saw Credit Karma, and created an account. I see that my score is 673, and I'm finally in control. I couldn't be happier, so I look at other cards I'd like, and for the reason's I'd be able to use them/maximize their perks. I'm approved for: CSP, Freedom, BCE, CITI TY Preferred, and a product change/upgrade to my credit union Visa from classic 2500 CL at 12.9% fixed to Platinum 9.9% fixed 5000 CL. When I did my product change, the lady mentioned that I had a score of 758, and I was in shock! I took info. from this site, and looked into Credit Sesame. I created an account there, and saw my score was a 760! I fell to the floor, as I haven't had a score this high, EVER.. My UTIL is at 12% right now, and I PIF every month. 

     I forgot to add that I was a additional user on a AMEX Clear of my girlfriend, and when I got my BCE, I got that backdate. AMEX is a gift, and the AAOA is remarkable. To all those that are rebuilding, or coming up, it can be done with a little time, and patience.


From rags to riches, congrats! I'm surprised that they let you move 1k from your csp to make it below 5k CL.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
New Contributor
rex_03
Posts: 131
Registered: ‎11-08-2007
0

Re: My story, and yes IT meaning a great score can be done..

Thanks to everyone for the comments.
Established Member
Bobby1146
Posts: 37
Registered: ‎05-01-2013
0

Re: My story, and yes IT meaning a great score can be done..

People, People PLEASE!!!! This is not about how many credit cards you can get maaaaan!!!! All these credit cards are slowing you down. I've had more than a dozen credit cards looking for the right one. These credit companies WILL give you credit, have you seen the competition? It all comes down to ONE CARD with a low APR & a high credit limit, all those rewards, YOU ARE PAYING FOR THEM some how some way!!! Oh & it only takes one slip on one card, and you, your "SCORE", your credit limits, etc, etc are all going DOWN... KEEP YOUR EYES PEALED!!!! KEEP EACH & EVERY PAYMENT.... Bottom line, your doing good, but having 50 credit cards don't mean JACK. Think about it, pretty soon they're going to wonder if you can juggle all these cards, LOL....

Chase Sapphire $5000/ Gap Visa $5000/ Discover$6500, Barclays Ring $5000, Chase Freedom $1,100.00/ Macy's $3000/ Best Buy $3400

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