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So in March..

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killer_queen229
Established Contributor

So in March..

My credit history will be 2 years old! Only have two cards that have toy limits. Smiley Happy

Message 1 of 9
8 REPLIES 8
Jaylima91
Established Contributor

Re: So in March..

It is time! *Rafiki voice in The Lion King*  LOL Smiley Very Happy

Message 2 of 9
killer_queen229
Established Contributor

Re: So in March..


@Jaylima91 wrote:

It is time! *Rafiki voice in The Lion King*  LOL Smiley Very Happy


Time is what helps all lol. 

Message 3 of 9
chalupaman
Super Contributor

Re: So in March..

Yay! I'm very happy for you.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 4 of 9
Simply827
Established Contributor

Re: So in March..

Planning an app spree?


Starting Score: 515
Current Score: EQ08 711 EX08 731 TU08 735
Goal Score: 740+

Amex BCP $25k | Discover IT $15.7k | Cap 1 QS $10k | PSECU $10k | Citi DC $9300 | Citi DP $6800 | Barclay Ring $6500 | PayPal Extras MC $5045 | DCU $5000 | Chase Slate $5000 | Barclays AA $4100 | Chase Freedom $4000 | Union Plus $1000 | Target $500
Message 5 of 9
killer_queen229
Established Contributor

Re: So in March..


@Simply827 wrote:

Planning an app spree?


No way lol I have 10 credit cards just got approved for Double Cash and it's on it's way.

Message 6 of 9
killer_queen229
Established Contributor

Nearly two years later, go me!

I've grown up so much when it comes to credit. I always wanted to app for everything in sight. I can say that I'm not as bad as others when it comes to racking up multiple, multiple inquiries but I just know inquiries have always been an issue with me. After 10 cards I really don't think I need anymore. I believe my last credit increase attempt or application was a few weeks ago. I feel pooped lol. 

 

My cards (listing month and year of account opening and other dates as product upgrades) 

secured visa (now unsecured 3/14) 3/13

tjx rewards (now MasterCard around 5/14) 7/13

Capital one platinum MasterCard (now Quicksilverone 1/14) 8/13

kohls (8/13)

old navy (now visa around 5/14) 8/13

Chase freedom (1/14)

discover it (1/14)

amex blue (1/14)

amex blue cash everyday (2/14)

citi double cash (9/14) 

 

Message 7 of 9
Exonumist
Established Contributor

Re: Nearly two years later, go me!

I'd say when your ready, that it's time to drop some of those cards and app for some of the best. I just looked and My first account ever was an auto loan that I opened 8/26/2011. My first card was in December of 2011. I can't beleive how far I've come in just three years.

Message 8 of 9
killer_queen229
Established Contributor

Re: Nearly two years later, go me!


@Exonumist wrote:

I'd say when your ready, that it's time to drop some of those cards and app for some of the best. I just looked and My first account ever was an auto loan that I opened 8/26/2011. My first card was in December of 2011. I can't beleive how far I've come in just three years.


Only things I wish were that they would have given be a better credit line instead of $400 after I unsecured my card. Then I wish Capital One would let me go from Quicksilverone to Quicksilver but they can't do that. 

Message 9 of 9
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