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New Contributor
Education44
Posts: 65
Registered: ‎02-24-2012
0

UPDATE-Prime Cards Approved for a Re-Builder! - App Spree Sucess!

[ Edited ]

These are the credit cards that I applied for this weekend:

 

Wells Fargo - $8,000 (instant approval -- my husband and I have a joint checking and savings with them)

Chase Freedom - $5,000 (I had to call the backdoor number (twice) to get approval -- they asked a few questions about my credit file)

Chase Southwest Airlines -- $2,000 (I had to call the backdoor number to get approval -- they asked a few questions about my credit file)

Discover It - $1,500 (instant approval)

 

At the time of my apps I had one inquiry on each of my credit reports, a paid state tax lien, a charge-off from an old HSBC account and a few lates from 2008 on my Merrick account. Also, when I was looking up something at the County Recorder's Office, I noticed that a judgment had been entered against me by Discover in 1994 (probably from a Target Card that I defaulted on when I was younger). So, I guess I haven't been blacklisted by Discover.

 

I can't believe that just a year ago my scores across the board were in the low 500s.  This forum has taught me so much about managing credit. With this success I'm heading to the garden for at least a year and putting my sub-prime cards in my sock drawer.

 

Along with the cards listed above, I also have the following:

 

Capital One - $7,500

JC Penney's -- $5,000

Victoria Secret -- $1,150

Merrick -- $600

Credit One -- $550

 



Starting Score 2/10/12: FICO TU 576, FICO EQ 582, EX PLUS 597
Current Score: MYFICO TU 718, MYFICO EQ 710, EX FAKO 726
Goal Score: 760


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Moderator
09Lexie
Posts: 26,340
Registered: ‎09-13-2012
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Re: Prime Cards Approved for a Re-Builder! - App Spree Sucess!

Valued Contributor
dodfire
Posts: 1,453
Registered: ‎04-14-2012
0

Re: Prime Cards Approved for a Re-Builder! - App Spree Sucess!

Way to go!! Congrats!!

*8/10/13
Valued Contributor
asphaltcowboy
Posts: 1,124
Registered: ‎02-03-2013
0

Re: Prime Cards Approved for a Re-Builder! - App Spree Sucess!

CONGRATS, WTG!!!



Starting Score TU 667 EQ 663 EX 655
Current Score TU 721 EQ 719 EX 717 Last Update 8/2014
Garden Club 04/10/2013 (Goal 2015 or Longer)




New Contributor
Education44
Posts: 65
Registered: ‎02-24-2012
0

Re: Prime Cards Approved for a Re-Builder! - App Spree Sucess!

Thanks!



Starting Score 2/10/12: FICO TU 576, FICO EQ 582, EX PLUS 597
Current Score: MYFICO TU 718, MYFICO EQ 710, EX FAKO 726
Goal Score: 760


Take the FICO Fitness Challenge

Regular Contributor
shanac
Posts: 220
Registered: ‎09-20-2012
0

Re: Prime Cards Approved for a Re-Builder! - App Spree Sucess!

[ Edited ]

Congratulations. Which credit bureau did Chase pull from?



Current Score: EQ FICO 758 as of 4/15/14 TU FICO 789 as of 5/2013 EX 781 via Amex 6/12/13
Goal Score: 800 Gardening 10/12/13 until 8/2014 app for final PLUS Loan
New Contributor
Education44
Posts: 65
Registered: ‎02-24-2012
0

Re: Prime Cards Approved for a Re-Builder! - App Spree Sucess!

The first pull was Equifax. When the credit analyst pulled a second time, she didn't say which one, just that it wouldn.t be Equifax.



Starting Score 2/10/12: FICO TU 576, FICO EQ 582, EX PLUS 597
Current Score: MYFICO TU 718, MYFICO EQ 710, EX FAKO 726
Goal Score: 760


Take the FICO Fitness Challenge

Regular Contributor
shanac
Posts: 220
Registered: ‎09-20-2012
0

Re: Prime Cards Approved for a Re-Builder! - App Spree Sucess!

May I ask what state you're in? I'm in Illinois and have heard they tend to pull from TU and EX most often.



Current Score: EQ FICO 758 as of 4/15/14 TU FICO 789 as of 5/2013 EX 781 via Amex 6/12/13
Goal Score: 800 Gardening 10/12/13 until 8/2014 app for final PLUS Loan
New Contributor
Education44
Posts: 65
Registered: ‎02-24-2012
0

Re: Prime Cards Approved for a Re-Builder! - App Spree Sucess!

California



Starting Score 2/10/12: FICO TU 576, FICO EQ 582, EX PLUS 597
Current Score: MYFICO TU 718, MYFICO EQ 710, EX FAKO 726
Goal Score: 760


Take the FICO Fitness Challenge

Moderator
09Lexie
Posts: 26,340
Registered: ‎09-13-2012
0

Re: Prime Cards Approved for a Re-Builder! - App Spree Sucess!

Really?! I'm in So Cal and they pulled Ex in March for me.

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