I have been a part of the myfico forums since January. I have followed instructions regarding pay for deletes and the HIPPA process. Since becoming a member my scores have increased by 15 points. Today I got my first credit card approval that was not secured. I'm really excited and wanted to share. Thank you for all the help. I can finally see the rewards of credit gardening and playing the game as it should be played i.e. Utilization etc. Thanks for the direction.
Congrats, I too am a newbie and just got my first card a month ago and my score has increased by 26 points. I know how you must feel to get your first unsecured card. Everyone on this forum is GREAT.
FICO 08 TU 842 12/8/18 EX 840 12/29/18 EQ 842 12/8/18 (NASA 30K) ( Amex 44k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win last app 2/15