This is FYI--hope it helps--I recently went on an app spree in Feb. 13 which I planned out meticulously. In Jan 13 I sent a very nice letter to USAA and Navy FCU and expressed how appreciative I have become of their great institutions. With this letter I sent all my w-4's in for the 2012 tax year(didn't want them to ask for documentation of income). Just asked them to keep on file for my income profile.
Got out of credit score jail in mid Feb.--(629 to 768)--lot's of charge offs fell of--long story! Anyway went 7 out of 8 on app spree--picked up 2 new navy products at best APRs they offer(still working on the navy visa platinum 16.9--don't use now until APRs reduction in July hopefully) and two USAA products (best APRs) --you can basically see the pick up's on sig line.
This success is due to all the constructive threads that I have been reading in these forums--I thank you all my brothers and sisters--aka mavens of credit!
Went from 11.6k to 84.6K in one month! Income at app time 46K utility 2%--aaoa 3 years--and I due realize the 760 scores were the major factor--you to can do it--I am in the garden for life--I don't need or want anymore--except for topping dodgeball!
Navy Siggy Cash Rewards 25K , Navy plat visa 25k,navy go 25k, Navy Check 15K, , USAA Am Exp 18K, USAA MC Rate Advantage 18K, Discover IT 18.5K, PayPal Extras MC 7.5K, Chase Military Star MC 2.5K, Military Star 8.05k, Wallmart discover 7.5k, Amex bce 25k,Boa cash rewards25k, southwest chase 4k, nasa cr 30k,nasa rew 5k,barc rewards 25k=279k+ scores 750 across the board
NFCU FAN CLUB FAN#1
Starting Score: 530