Things are looking brighter!

FixMyCredit1992 · ‎04-23-2014

EX Fico is now 608, up from 595. I'm in the 600 club (not the best club, lol).

Discover is showing a pre-approval for their it card (but I have to wait to apply for it, which I probably won't).

No pre-approvals with Chase, Citi , Amex, US Bank, Barclay Card, or Capital One. (Doubt it with such a low score).

Odly, credit one still denies via pre-qual. Lack of revolving accoutnts ( I have 3), so I don't know what gives.

I've also went back to the garden.

Farm and Fleet $3,000 (AU) Paypal Extras MC $1,500
Barclay's Apple Visa $1,200 QVC Qcard $800
Amazon Store Card $600 Discover $500
Walmart MC $400 Victoria's Secret $350
Credit One $300 Fingerhut $200
TU Fico 626

BigBS · ‎04-23-2014

Progress is always good!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Jarnog · ‎04-23-2014

Does it say "congrats etc your pre-approved"

Just curious!

And CONGRATS!!!

FixMyCredit1992 · ‎04-24-2014

It just says "your personalized offer".

Farm and Fleet $3,000 (AU) Paypal Extras MC $1,500
Barclay's Apple Visa $1,200 QVC Qcard $800
Amazon Store Card $600 Discover $500
Walmart MC $400 Victoria's Secret $350
Credit One $300 Fingerhut $200
TU Fico 626

Pupeitmeister · ‎04-24-2014

My understanding is if it doesnt say congrats, its just gimmick at discover I could be wrong though

GRATS on 600 club!! Progress is progress

OFFICIAL GARDEN START DATE: 10-05-2014... TARGET GARDEN END DATE: 06-01-2016 Lets Git 'r' dun

B335is · ‎04-24-2014

Congratulations on your progress. With anything negative on your CR I would wait for Discover to find you.

Luscher · ‎04-24-2014

Just garden into the 700 club. don't apply for anything you don't need.

Trivolve · ‎04-24-2014

@FixMyCredit1992 wrote:
It just says "your personalized offer".

It's not a preapproval, it's just an invitation.

[Total CL: $97K] Citi Forward, BoA BankAmericard Travel Rewards, Discover It, Chase Freedom, Chase Hyatt, AMEX Blue Cash, AMEX Hilton Hhonors, Chase Sapphire Preferred, Citi Thankyou Preferred, Barclaycard Arrival Plus, AMEX Platinum, Chase IHG

yudeology101 · ‎04-24-2014

WTG on your 600 club buddy woot woot! Things will only get better if you garden like you've stated....we're still waiting for you to check in at the garden club

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO ↑ 11) EX:686 (FICO ↔ N/C) TU:686 (FICO ↑ N/C) *8-5-14*

Overall UTIL: 14% *Gardening Since: 1/20/16*
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Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)

alvon123 · ‎04-25-2014

congrats