Reply
Valued Member
Posts: 29
Registered: ‎09-08-2013
0

SUCCESS: CAP 1 EO can be your best friend...just be patient--and READ THESE BOARDS

 

 

Thanks to the amazing info I've gathered from you folks, I have reaped amazing benefits and wouldn't have done it without you guys.

 

After two years of cleaning living (no lates) In the last several months Cap 1 via the their amazing team has:

 

1.  Increaseed by 9 YEAR CREDIT limit from $1250 to $5000  (can't wait til 6 months to get next CLI)

 

2.  Fixed a reporting issue which kept my Cap 1 off of TU for years and kept my score even lower.

 

3.  Switched me from my old basic card to a Quicksilver card.  Although the card itself looks fake, it's cash back has already put $$$ back into my pocked.

 

4.  Dropped my Annual Fee.

 

I figure I'm already ahead $250-$300 in cash with the last two and who knows how much due to better APR %....and improved FICO...

 

The last bit of work I have is to work on deleting some lates with Cap1 but I'm amazed with how fast these other things have worked.

 

I COULD NOT HAVE DONE IT WITHOUT YOU GUYS!!!!!  IT REALLY DOES WORK!


Starting Score: Equifax my FICO 668 Transunion Vantage 717 Experian 657 Plus Score
Current Score: Equifax my FICO 668 Transunion Vantage 648 Experian 667 Plus Score

Switch to Plus Scores Oct 11 13: Equifax 667 Transunion 631 Experian 667
Current CreditReport.com Scores Mar 28 wr 2014: Equifax 693 Transunion 682 Experian 682 Plus Score
Goal Score: 720 by May 1, 2014

\
Senior Contributor
Posts: 4,575
Registered: ‎09-13-2013
0

Re: SUCCESS: CAP 1 EO can be your best friend...just be patient--and READ THESE BOARDS

Congrats!!! Great job!


Just say no to a ton of low limit SCT cards. Quality over quantity!
Established Contributor
Posts: 945
Registered: ‎12-13-2013
0

Re: SUCCESS: CAP 1 EO can be your best friend...just be patient--and READ THESE BOARDS

Awesome... Enjoy!!

Frequent Contributor
Posts: 372
Registered: ‎07-20-2013
0

Re: SUCCESS: CAP 1 EO can be your best friend...just be patient--and READ THESE BOARDS

WTG.....congrats on all of your success w/Cap1!

AmEx PRG (NPSL) | AmEx BCP (10k) | AmEx Blue Cash (1k) | AmEx SPG (3.5k) | Barclay Arrival WMC (7.5k) | Barclay Sallie Mae (1.5k) | Cap1 QS (2k) | Chase Freedom (1k) | Discover IT (4.5k) | InTouch (Local) CU MC (5k) | InTouch (Local) CU LOC (25k)

Citi/Best Buy (AU) (1.5k) | Citi/Best Buy (7.5k) | Comenity/Crate & Barrel (4k) | Comenity/Restoration Hardware (9k) | GE/Ethan Allen (2.5k) | Synchrony Bank/Banana Republic (3.3k) | Synchrony Bank/Gap (3.3k) | Synchrony Bank/Walmart (3.3k)

myFICO scores ~ 691 (EQ) 670 (EX) 712 (TU) || Goal scores: 750+ (all 3)
Valued Contributor
Posts: 4,960
Registered: ‎01-04-2014
0

Re: SUCCESS: CAP 1 EO can be your best friend...just be patient--and READ THESE BOARDS

Super Sweet!

Congrats on the Capital One new success.

|

It's All In The Magic Of Your Own Destiny
Community Leader
Senior Contributor
Posts: 13,962
Registered: ‎12-13-2013
0

Re: SUCCESS: CAP 1 EO can be your best friend...just be patient--and READ THESE BOARDS

Good work, congrats to your success :smileyhappy:

EX Cred Sesame 03/15: 774 (+8) ; EX Fico 04 V2 06/14: 775; EX Fico 08 BC 02/15: 797 (-42)
EQ Beacon 5.0 12/14 757
TU Fico 8 02/15: 754 (-51)

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.