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New Contributor
TheRealJosh94
Posts: 54
Registered: ‎12-30-2012
0

So close to 700 (:

So exciting news to tell you guys, After Pifing my Capital One card and reporting a zero balance my credit score shoot 30 points to 694! I wanted to get a 3rd credit card soon, but now I'm thinking about gardening my 2 cards. My plan was to open a Credit Union student card to start a relationship with my bank, but now I think I'll wait it out until I'm in the higher 700's to apply and have a better chance of approval. 

 

This was a little update just to keep in touch with the forum, and I thank everyone for all the useful information and really helping me out ALOT (: ! 

Current line: Capital One Journey's, $500 CL, Discover IT card, $2100 CL , American Express Gold Card, NPSL, My BestBuy Citi Card, $3000
Moderator
09Lexie
Posts: 25,546
Registered: ‎09-13-2012
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Re: So close to 700 (:

Valued Contributor
dodfire
Posts: 1,453
Registered: ‎04-14-2012
0

Re: So close to 700 (:

Thats awesome!!!

What was your UTL before and now?

*8/10/13
New Contributor
TheRealJosh94
Posts: 54
Registered: ‎12-30-2012
0

Re: So close to 700 (:

March and April was at 17%, May 9%, June 7%, and June 3% (:
Current line: Capital One Journey's, $500 CL, Discover IT card, $2100 CL , American Express Gold Card, NPSL, My BestBuy Citi Card, $3000
Frequent Contributor
NewtoCredit80
Posts: 324
Registered: ‎04-12-2013
0

Re: So close to 700 (:

Try to get cli on existing cards with a HP. Score will boost above 700 if you are able to get those.


PNC Secured 2000 (Dec12), Chase Amazon 2000 (Apr13), CapOne Newcomer 2500 (May13), Citi dividend 3000 (May13), Discover IT 1000 (Jul13), Amex BCP 6000 (Jul13), Chase Southwest 10000 (Jul13), Chase Marriott 12000 (Oct 13), BofA Travel Rewards 5000 (Dec13)

- In garden till Dec 2014
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: So close to 700 (:


TheRealJosh94 wrote:

So exciting news to tell you guys, After Pifing my Capital One card and reporting a zero balance my credit score shoot 30 points to 694! I wanted to get a 3rd credit card soon, but now I'm thinking about gardening my 2 cards. My plan was to open a Credit Union student card to start a relationship with my bank, but now I think I'll wait it out until I'm in the higher 700's to apply and have a better chance of approval. 

 

This was a little update just to keep in touch with the forum, and I thank everyone for all the useful information and really helping me out ALOT (: ! 


CONGRATS!! :smileyhappy:

 

I miss the 700 club.................:smileymad:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
FocusedAndDetermined
Posts: 6,324
Registered: ‎01-05-2013
0

Re: So close to 700 (:

Congrats!  700+ is easily within your grasp.:smileyvery-happy:


Frequent Contributor
Express
Posts: 383
Registered: ‎01-27-2012
0

Re: So close to 700 (:


TheRealJosh94 wrote:

So exciting news to tell you guys, After Pifing my Capital One card and reporting a zero balance my credit score shoot 30 points to 694! I wanted to get a 3rd credit card soon, but now I'm thinking about gardening my 2 cards. My plan was to open a Credit Union student card to start a relationship with my bank, but now I think I'll wait it out until I'm in the higher 700's to apply and have a better chance of approval. 

 

This was a little update just to keep in touch with the forum, and I thank everyone for all the useful information and really helping me out ALOT (: ! 


You're on your way! :smileysurprised: I left the door open for you, see you soon! :smileyvery-happy:

Money Never Sleeps! ~CL $246,600 .FIC, Amex $10,000
03/05/14: EX 777 EQ 768 TU 765: Beaver Card $20.000: Barclaycard Arrival World MasterCard $20,000 Lowe's Business Amex $3,000
Amex Blue Sky $24,500: Amex Premier Rewards Gold :NPSL: Amex Costco $7000:Chase Freedom $5,000: Home Depot $8,700 Discover IT $6.000 :Citi Thank you Card $16,500: Citi Simplicity $11,500: Chase Sapphire $31,200 :smileyfrustrated:am's Club Discover $19,000 :Cap1 World MC $8500 :Vibe,Credit Union $16,000 :Walmart Discover $14,000
Macy's AMEX $10,000 Macy's Store Card $1700. Alliant C/U 15000

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