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Frequent Contributor
Posts: 420
Registered: ‎10-02-2012
0

Thanks to everyone!

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    


 

Belk ($2.5k) CSP VS ($5k) Citi Platinum Select AAdvantage WEMC ($13k) Citi HHonors VS ($11k) HHonors AmEx ($2k) Dillard's AmEx ($7.5k) Discover it ($5k) FNBO Chrysler MC ($24k) Macy's AmEx ($5k) Macy's ($1k) Military Star Card ($4.8k) Chase Military Star MC ($15k) Nordstrom VS ($10k) PenFed Cash Rewards Visa ($15k) Ritz Carlton VS ($40k) Starwood Preferred Guest AmEx ($11k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($14k) Sears MC ($6k) Walmart MC($7.5) AAdvantage Aviator Red WMC ($12.5k) Wells Fargo Visa ($3k)
Community Leader
Senior Contributor
Posts: 27,605
Registered: ‎02-07-2013
0

Re: Thanks to everyone!

Nice 

+ Chase ink =




Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: Thanks to everyone!

Established Contributor
Posts: 620
Registered: ‎05-09-2009
0

Re: Thanks to everyone!

Congrats!  Great accomplishments, and impressive line up there!

Current Score: EQ: 807 TU: 811 EX: 813 (Fico) 8/14
Goal Scores: 760 Across all 3-Finally


Citi TY Premier 46.5k| Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| CapOne 15K|Chase Freedom VS 19.3k|Citi Dividend WMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Macys 5k|Sams MasterCard 15k|Barclay Arrival Plus WEMC 18.7k|Chase IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k|Amex Everyday 16.2k
Established Contributor
Posts: 522
Registered: ‎07-18-2013
0

Re: Thanks to everyone!

Congrats!  myFICO members are awesome Smiley Happy

Frequent Contributor
Posts: 420
Registered: ‎10-02-2012
0

Re: Thanks to everyone!

[ Edited ]

Thank you! You all deserve the credit! The members are awesome! Now if I could only figure out how to get my BofA Visa Siggy to report the limit.....

Belk ($2.5k) CSP VS ($5k) Citi Platinum Select AAdvantage WEMC ($13k) Citi HHonors VS ($11k) HHonors AmEx ($2k) Dillard's AmEx ($7.5k) Discover it ($5k) FNBO Chrysler MC ($24k) Macy's AmEx ($5k) Macy's ($1k) Military Star Card ($4.8k) Chase Military Star MC ($15k) Nordstrom VS ($10k) PenFed Cash Rewards Visa ($15k) Ritz Carlton VS ($40k) Starwood Preferred Guest AmEx ($11k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($14k) Sears MC ($6k) Walmart MC($7.5) AAdvantage Aviator Red WMC ($12.5k) Wells Fargo Visa ($3k)
Valued Contributor
Posts: 1,715
Registered: ‎03-07-2013
0

Re: Thanks to everyone!

Great success story! Outstanding diligence op!


GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
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Established Contributor
Posts: 955
Registered: ‎02-02-2013
0

Re: Thanks to everyone!

That's some good progress and a nice wallet full of cards Smiley Happy

NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Senior Contributor
Posts: 3,947
Registered: ‎10-02-2012
0

Re: Thanks to everyone!

excellent banks and excellent CLs, yep your excellent!

Secured: Non Secured:
(EQ FICO 614) (EX FICO 631) (TU FICO 628) Gardening Since 08/15/15 For All 3 Credit Bureaus
Frequent Contributor
Posts: 447
Registered: ‎11-25-2012
0

Re: Thanks to everyone!


resilient wrote:

Thank you! You all deserve the credit! The members are awesome! Now if I could only figure out how to get my BofA Visa Siggy to report the limit.....


haha if you ever find out, please do share - BoA is my only 5 digit CC limit, and it doesn't even report! *sigh*

 

You have fantastic cards + limits!  Definitely something I might pass on to one of my friends that feels like rebuilding her credit is pointless (b/c she burned some bridges when she was 18).


The road to 800...
Available credit: $80k+
INQs: 1 TU, 3 EX, 0 EQ
Planned apps: NONE - Gardening indefinitely! - Bronze 7/15/15
On the chopping block for 2015: Gap Silver, Chase Slate
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