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Established Contributor
linux007969
Posts: 579
Registered: ‎04-20-2012

Things are looking good!!!

I have been off to a great start building my credit history! Capital One auto increased by limit from $300 to $500 a week ago via their credit steps program, however they did it a month early!!! They were post to raise it my 7th statement, but i will be only getting my 6th in the mail soon... LOL so that was nice.

 

The newest thing and the best thing ever is I now have a credit score with TU & EQ, they are in my updated signature below. Can anyone please tell me how good my scores are and if you think i may qualify for a Bank of America Secured Card, or should I try AMEX ZYNC again? Any advise would be much apperciated! Happy 4th of July Everyone! :smileyhappy:

Discover IT TU Score: 739 as of 4/20/14 | TU Score as of 1/5/14 - 710 | EQ Score as of 1/5/14 - 748 | Ex Score as of 1/5/14 - 728
TU Score as of 1/5/14 - 705 | EQ Score as of 1/5/14 - 721 | Ex Score as of 1/5/14 -753 |

Capital One QuickSilver MC $4.5K | Amazon $1.8K (CLOSED) | Walmart $5K | Paypal SC w/Debit card $5K | BOA 123 Cash Rewards Sig $5K | BOA BBR $1K | Discover IT $8K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $5k | PNC Auto Loan $20,416.07 |
Valued Contributor
rootpooty
Posts: 1,711
Registered: ‎10-28-2011

Re: Things are looking good!!!

whats keeping your eq at 660's? i take it you only have 6 mos history?

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 3k | BOFA 123 3k |
Chase Freedom 1.5k | Amazon 1800 | Walmart 1450 | Buckle 300

On the prowl for Chase Sapphire Preferred!
Established Contributor
BrokaToe
Posts: 726
Registered: ‎05-12-2012

Re: Things are looking good!!!

[ Edited ]

I was approved for the BOA Secured 99/500 card on a counter offer back in May.  Not sure what my EX score was at the time, but my other scores are what's listed as my starting scores below.  I had one medical CA and defaulted school loans showing on EX at the time.  But other than that,  I had no revolving trade lines reporting, so my history was very thin.  Only two positives for installment loans, Payed as Agreed and never late.  So they can be forgiving when it come to their secured products and rebuilder type cards.  So I would think you would have a chance with your current scores, but they will pull EX for the initial app. and usually TU for CLI.  Hope this helps.


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Established Contributor
linux007969
Posts: 579
Registered: ‎04-20-2012

Re: Things are looking good!!!


rootpooty wrote:

whats keeping your eq at 660's? i take it you only have 6 mos history?


oh yes sorry I forgot to mention in all this excitement, yes I have 6 months of history now! & My Scores are from Myfico.

Discover IT TU Score: 739 as of 4/20/14 | TU Score as of 1/5/14 - 710 | EQ Score as of 1/5/14 - 748 | Ex Score as of 1/5/14 - 728
TU Score as of 1/5/14 - 705 | EQ Score as of 1/5/14 - 721 | Ex Score as of 1/5/14 -753 |

Capital One QuickSilver MC $4.5K | Amazon $1.8K (CLOSED) | Walmart $5K | Paypal SC w/Debit card $5K | BOA 123 Cash Rewards Sig $5K | BOA BBR $1K | Discover IT $8K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $5k | PNC Auto Loan $20,416.07 |
Valued Contributor
Repo-ed
Posts: 2,953
Registered: ‎02-09-2012

Re: Things are looking good!!!

It's a crap shoot w/ the zync.

 

They may give you a hard SL.  I would suggest waiting a full year before apping.

 

YMMV

Established Contributor
linux007969
Posts: 579
Registered: ‎04-20-2012

Re: Things are looking good!!!


Repo-ed wrote:

It's a crap shoot w/ the zync.

 

They may give you a hard SL.  I would suggest waiting a full year before apping.

 

YMMV


well i wouldn't care if i had a limit as long as it would be lifted later after good payment history. Also, I am torn between BOA Secured and Zync cuz they are both cards that would grow with me and they are with prime companies. Another thing i may do is after i pay off paypal i may call up a GE Credit Analyst and see if they can raise my limit to about $600, that would help too.

Discover IT TU Score: 739 as of 4/20/14 | TU Score as of 1/5/14 - 710 | EQ Score as of 1/5/14 - 748 | Ex Score as of 1/5/14 - 728
TU Score as of 1/5/14 - 705 | EQ Score as of 1/5/14 - 721 | Ex Score as of 1/5/14 -753 |

Capital One QuickSilver MC $4.5K | Amazon $1.8K (CLOSED) | Walmart $5K | Paypal SC w/Debit card $5K | BOA 123 Cash Rewards Sig $5K | BOA BBR $1K | Discover IT $8K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $5k | PNC Auto Loan $20,416.07 |
Frequent Contributor
traveler2005
Posts: 473
Registered: ‎08-13-2011

Re: Things are looking good!!!

From what I understand, American Express doesn't lift the limit if you get a zync with a 200 or 500 preset spending limit. If you read some of the other threads there are many that are still stuck with those limits after a few years with AE.   If you wait to app, then you may get a card with noset spending limit.





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 675, Exp 653.,Eq 655
Goal Score: 700 across the board


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Established Contributor
linux007969
Posts: 579
Registered: ‎04-20-2012

Re: Things are looking good!!!


traveler2005 wrote:

From what I understand, American Express doesn't lift the limit if you get a zync with a 200 or 500 preset spending limit. If you read some of the other threads there are many that are still stuck with those limits after a few years with AE.   If you wait to app, then you may get a card with noset spending limit.


Do you have any idea if BOA or AMEX will see the scores right away or do i need to wait like 2 months or something?

Discover IT TU Score: 739 as of 4/20/14 | TU Score as of 1/5/14 - 710 | EQ Score as of 1/5/14 - 748 | Ex Score as of 1/5/14 - 728
TU Score as of 1/5/14 - 705 | EQ Score as of 1/5/14 - 721 | Ex Score as of 1/5/14 -753 |

Capital One QuickSilver MC $4.5K | Amazon $1.8K (CLOSED) | Walmart $5K | Paypal SC w/Debit card $5K | BOA 123 Cash Rewards Sig $5K | BOA BBR $1K | Discover IT $8K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $5k | PNC Auto Loan $20,416.07 |
Frequent Contributor
traveler2005
Posts: 473
Registered: ‎08-13-2011

Re: Things are looking good!!!

I would wait another 6 months, wait for you AAOA to increased, you inquires to fade a little, keep your utilization low < 7% and payment history clean. I think you will be set for the zync with NPSL (no preset spending limits) like you really want. :smileyhappy:





Starting Score: TU 573 Exp 523 Lender Pull, Eq 583
Current Score: TU 675, Exp 653.,Eq 655
Goal Score: 700 across the board


Take the FICO Fitness Challenge
Super Contributor
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Things are looking good!!!

I agree with Traveler 2005

In 6 months you'll be in good shape for zync with NPSL

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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