True Story
As you can tell from my username, I didn't always have good credit. I started snooping around on this forum back in April of 2012, when my credit score was around 620 and rebounding off of past mistakes I made while in college and afterwards. When I joined the forum, I had a $27k car loan with a 4.9% rate, a $300 Household Bank Card that I had had since 2007 that never grew for the 5 years I'd had it, and about 10 student loans that were reporting paid as agreed because they were in deferment. Long story short, a few things fell off between April and September ( from disputes and baddies aging off ), and I found myself on a crazy app spree. My Equifax was 690, Transunion was 726 and my Experian was 746. I used the knowledge here to know which lender pulled which bureau, and I acquired about 6 cards in September, 4 in October, and 3 more between November and March this year. I'm not talking about low limit cards either....my first app was for PenFed, which had initially denied me for an auto loan in October 2011. I was approved for $12,000. The came First National Bank of Omaha for $4100, which grew....and then came the Chase accounts.....$10k Hyatt, $12k Southwest, $5k Freedom. I mean in a matter of months, I went from denial to in style (corny, I know). I want to thank each and every one of you for your input, eventhough I was a silent member for the most part, your help and efforts did not go unnoticed for me. With 14 cards, my scores are still in the 700s, with 10% utilization. However, I burned NFCU, AmEx, USAA, and Discover back in college and those are the only cards I can not get....but I have enough to manage now. Again, thanks to you all!
BankAmericard Visa Signature $15,000
BankAmericard Cash Rewards World Mastercard $10,000
Belk Store Card $ 1,000
Chase Freedom $ 5,000
Chase Hyatt Visa Signature $ 10,000
Chase Military Star MasterCard $ 3,050
Chase Southwest Visa Signature $ 12,000
Dillard's AmEx $ 5,100
FNBO Chrysler MasterCard $ 8,600
Military Star Card $ 4,775
PenFed Cash Rewards Visa $ 12,000
Service CU Platinum Visa $10,000
TIC FCU Visa Diamond $10,000
US Bank Cash Rewards $ 5,000
Walmart Discover $ 4,500
Wyndham Rewards Visa $ 2,500
Total Credit Lines $113,750
Amex Platinum Amex PRG Amex Hilton Surpass ($7k) Citi AAdvantage WEMC ($20k) Citi Hilton Honors VS ($6.8k) Dillard's Amex ($7.5k) Discover it ($6.5k) FNBO Chrysler MC ($30k) Military Star Card ($4.8k) Nordstrom VS ($25k) PenFed Power Cash Rewards VS ($20.5k) Ritz-Carlton VI ($54.5k) Starwood Preferred Guest Amex ($10k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($16k) Sears MC ($6k) USAA Limitless VS ($15k) Walmart MC ($7.5k) AAdvantage Aviator Silver WEMC ($11.3k)
Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200