Posts: 21
Registered: ‎09-03-2013

Thanks everyone

[ Edited ]


I have been lurking around these forums for a few months and just want to thank everyone.


I went through a bad divorce and it hit my credit hard.


Cap One gave me a Credit steps card back in March with a CL of 1000, last in August the "stepped" it to 4K. I was in shock. When I applied I did not check but in May when I had to move to a new rental my credit was at 583 with EQ. I never let my UL on the cap one card over 20% most of the time PIF. The 0% is up in a few months. 


I was feeling like I should try Barclays back in June and the turned me down. :smileysad:


I have been working some PFDs and GWs and got a few things off and over the last month I have been applying for a few things and I have been more than happy with the results.


1) Walmart $500

2) Amazon store card $400

3) Chase Amazon $500

4) Barclays rewards (just approved yesterday) $1500.00 !!!!! I was not going to apply to Barclays again but I check there pre approval link and it told me I was pre-approved. 


I have been using the Amazon Chase card heavily and making payments weekly if not more and always paying in full. I did not know what day the first statement was going to cut, so it when it did it was on the high side (350) but it was PIF the next day. I hope they will see I am good user that needs a higher CL. I will keep trying that for the next 6 months.


NeedlesstosayIamrunningtothegardenandkeepingupthePFDandGWforthelastfewbaddies. Iamalsoonthe7thmonthofmystudent loanrehab, onlytwomorepaymentsleft (IcalledECMCandtheysaidtheloansaregettingpickedupquiclkly). Whenthatgetsworkedoutmostofmybaddieswillfalloff.


Thanks for all the good info that has been posted to this site and all of the wonderful people that are always eager to help, I feel like I am turning the corner.


I am currently at a 610 CS or there abouts accross the boards.


Again thank you everyone.



And yes I am off to the Garden :smileyhappy:

Mega Contributor
Posts: 16,663
Registered: ‎08-08-2011

Re: Thanks everyone

Congrats on your journey. 

Community Leader
Senior Contributor
Posts: 26,723
Registered: ‎02-07-2013

Re: Thanks everyone


"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/2013
Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012

Re: Thanks everyone

Congrats!!!! Good approvals!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
Posts: 271
Registered: ‎03-08-2013

Re: Thanks everyone

Congrats on your journey and I am happy that things are working out for you. we are all a family here!

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

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

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. 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.