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Regular Contributor
ninjamike81
Posts: 208
Registered: ‎08-16-2012

Re: TODAYS APPROVALS THANK YOU ALL

thanks.  yea im deffinatly done now.  for atleast the next year as far as credit cards go.  only looking to finance a car and a ninja zx10r next year.  other than that  time to garden


Starting Score: TU 583, EX 683, EQ 653
Current Score: TU DISCOVER FICO 734 EX FICO 726 LENDER PULL 3/10/2013 EQ FICO 723
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CHASE FREEDOM $1000, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $6000, KAWASAKI GOOD TIMES CARD $21,000
Valued Contributor
maiden_girl
Posts: 2,005
Registered: ‎12-29-2011

Re: TODAYS APPROVALS THANK YOU ALL

yay!

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Frequent Contributor
Razeus
Posts: 387
Registered: ‎04-02-2012

Re: TODAYS APPROVALS THANK YOU ALL

Congrats!  It's such a dang good feeling isn't it!

My Wallet:
Discover It $11,000 | Chase Freedom $5,000 | AMEX BCE $3,000 | Paypal Extras Platinum $5,000 | Wells Fargo $1,000 | AMEX Zync NPSL
Regular Contributor
ninjamike81
Posts: 208
Registered: ‎08-16-2012

Re: TODAYS APPROVALS THANK YOU ALL

yea it is


Starting Score: TU 583, EX 683, EQ 653
Current Score: TU DISCOVER FICO 734 EX FICO 726 LENDER PULL 3/10/2013 EQ FICO 723
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CHASE FREEDOM $1000, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $6000, KAWASAKI GOOD TIMES CARD $21,000
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: TODAYS APPROVALS THANK YOU ALL


ninjamike81 wrote:

first off.  THANK YOU ALL FOR THE HELP AND GUIDANCE PROVIDED HERE IN THIS FORUM. 

 

just approved for citi simplicity 1200.00  and discover more 1500.00  today   have to get back into the garden now.  this stuff is soooooo addicting


what good about citi simplicity ? what your current score and AAOA and stuff ? baddie goodie ? any other cards you had ?

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Established Contributor
emptypockets
Posts: 955
Registered: ‎02-03-2009

Re: TODAYS APPROVALS THANK YOU ALL


ninjamike81 wrote:

thanks.  yea im deffinatly done now.  for atleast the next year as far as credit cards go.  only looking to finance a car and a ninja zx10r next year.  other than that  time to garden


 

LOL, i thought you said a zx-6r in another thread....either way awesome bikes!  Congrats on your recent approvals!


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Nordstrom Visa,US Bank Cash+, Chase (5), Huntington Voice, UMB Visa, Dillard's AMEX, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Macy's AMEX; Several store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (7/8/2014): 814; EX (6/14): 775
Regular Contributor
ninjamike81
Posts: 208
Registered: ‎08-16-2012

Re: TODAYS APPROVALS THANK YOU ALL

[ Edited ]

emptypockets wrote:

ninjamike81 wrote:

thanks.  yea im deffinatly done now.  for atleast the next year as far as credit cards go.  only looking to finance a car and a ninja zx10r next year.  other than that  time to garden


 

LOL, i thought you said a zx-6r in another thread....either way awesome bikes!  Congrats on your recent approvals!



the new zx6r costs 13200.00 just released pricing 2 days ago.  lol   the 10 makes more sense to me 65 extra hp for 2k more :smileywink:

 

as to my report  copy and paste job from my rebuilding thread.   for citi  nothing special just wanted my foot in the door for ALL  the major cc companys NEXT YEAR AMEX BCE IN SEPT

 

Making this thread to keep track of my journey. Any and all info will be appreciated. Thank you to everyone on this forum and there willingness to help

 

a little about my situation.  I had bad credit habits back in 2000-2002 including a repo and a charge off capitol one card  and a couple of collections for hospital bills.   Also have a student loan charge off from a technical school but it is only showing on trans union. I have paid off all the hospital bills and had them removed.

 

FAKO'S TU 597 pulled by CK  EX 683 pulled by CS  EQ 653 pulled by FRSC 8/1/2012

just used usaa 8/17/2012  TU 563    EQ 9002  EX 9002

inquiries TU=10 EQ=9  EX=6 

usaa EX 726    EQ  718    TU  583    9/13/2012

average age of  credit lines 2y 4mo BEFORE ADDING CHASE WALMART CITI AND DISCOVER  PROB LIKE 1 YEAR ADVERAGE NOW REALLY TOOK A HIT BUT IN GARDEN SO IT DONT MATTER NOW

 

INSTALLMENTS

student loan   3400.00  paid as agreed  no lates

student loan   6200.00  paid as agreed  no lates

student loan   2700.00  paid as agreed  no lates

student loan   3800.00  paid as agreed  no lates

switched all 4 to Income Based Repayment.  0 monthly payment for 25 years unless I make over 40k a year after 25 yrs any remaing balance is forgivin waiting on fedloan to switch it all over to the new plan

 

CREDIT CARDS

cap one                                   500.00 CL paid as agreed no lates opened                                                  7/1/2012

walmart                                   300.00 CL paid as agreed no lates opened                                                  9/13/2012

chase freedom                        500.00 CL   OMG they instant approved me  SWEET                                 9/14/2012

CITI SIMPLICITY                  1200.00 CL          RECONED OVER PHONE                                                9/18/2012                              

DISCOVER MORE               1500.00 CL          RECONED OVER PHONE                                                9/18/2012

 

 

NEGATIVES

student loan   3200.00  charged off date of first del.  OCT. 2006 falls off 10/2013

 

WHAT I WANT TO ACCOMPLISH OVER THE NEXT 3 YEARS

 

1)   ALL student loans paid off right now I owe 16,500.00

2)   KAWASAKI GOOD TIMES CARD 20K LIMIT Im a certified kawasaki tech.  Want to buy 2013 ZX10R next year

3)   30,000.00 CAR LOAN "DODGE" DART SRT-4

4)   PRODUCT CHANGE FROM CAP1 PLAT.  TO PLATNUM PRESTIGE  B/C NO ANNUAL FEE

5)   AMEX BLUE CASH  5,000CL CARD  B/C NO A/F

6)   BARCLAY'S NFL RAVENS card 5000CL  B/C NO A/F

7)   DISCOVER MORE $5000CL  BUT GOT APPROVED FOR 1500 YAYYYYYY

8)   CITI  THANK YOU CARD 5,OOOCL  B/C NO A/F

9)   let all INQ fall off highest is 13 on TU 12 on EQ 9 on EX

10) STABILIZE CREDIT TO BUY HOUSE 25K DOWN ON 150,000.00 LOAN

 

 


Starting Score: TU 583, EX 683, EQ 653
Current Score: TU DISCOVER FICO 734 EX FICO 726 LENDER PULL 3/10/2013 EQ FICO 723
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CHASE FREEDOM $1000, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $6000, KAWASAKI GOOD TIMES CARD $21,000
Established Contributor
emptypockets
Posts: 955
Registered: ‎02-03-2009

Re: TODAYS APPROVALS THANK YOU ALL

[ Edited ]

Sounds like you have a good plan, with some goals to be looking forward to. I have a couple of friends with tricked out ZX-14's, and they are some awesome machines! :smileyhappy:

 

Just a note about the Kawasaki card - beware the financing terms, and make sure you read the terms and conditions. If you garden your recently acquired cards carefully, you can probably get approved for a bike loan through a credit union.  The Kawasaki card is not really a credit card, it is more like a line of credit with a balloon payment. You buy the bike on the "flexible line of credit" at some low interest rate (like 2.9%) and the payment is low for first couple years. After 2 years, if there is still a balance on the card, the payment adjusts (kind of like and adjustable rate mortgage), and the interest rate goes up to like 16-17% (and the payment with it). Many times, you will end up owing more on the bike than it is worth, with the interest. The rate also goes up to the default rate if you miss a payment.

 

Make sure you read and understand all terms and conditions for any offer of credit. This one, in particular is not the greatest.

 


CC's: AMEX (4), Alliant Visa, PenFed AMEX, Nordstrom Visa,US Bank Cash+, Chase (5), Huntington Voice, UMB Visa, Dillard's AMEX, Barclay's Visa, Citi (4), Discover IT, Walmart Discover, Sam's MC, Cabela's Visa, Cap One QS, BOA (2), BMW Visa, Comenity Visa/MC (3), Ebates Visa Siggy, 5/3 RLR MC, Macy's AMEX; Several store cards.

Current Scores: EQ (6/14): 800; TU MyFico (6/14): 814; Walmart TU Fico 08 (7/8/2014): 814; EX (6/14): 775
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: TODAYS APPROVALS THANK YOU ALL

Congrats

Regular Contributor
ninjamike81
Posts: 208
Registered: ‎08-16-2012

Re: TODAY'S APPROVALS THANK YOU ALL

Thanks for the heads up on the kawasaki card.  Working for a motorcycle dealer before I got injured at work I had allot of experience with the card and other peoples mistakes.  Im waiting for them to offer the 0.9%apr and through a friend at the dealer I worked for "finance manager".  We worked out what my payments would be to have it paid off to 0 balance at the end of 36 months "normally when the balloon payment happens" but thanks though.  ALOTT of people have a big problem with that card because they see $69 a month and dont realize that 95% of it is strictly interest.  expecially on powersport "TOYS".  #1 reason trying to find atv or dirtbike used with a title is almost impossible.


Starting Score: TU 583, EX 683, EQ 653
Current Score: TU DISCOVER FICO 734 EX FICO 726 LENDER PULL 3/10/2013 EQ FICO 723
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CHASE FREEDOM $1000, CITI SIMPLICITY $2600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $6000, KAWASAKI GOOD TIMES CARD $21,000

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