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New Contributor
Education44
Posts: 64
Registered: ‎02-24-2012

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

I'm in San Francisco



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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Established Contributor
sjt
Posts: 639
Registered: ‎05-05-2010

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


Education44 wrote:

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

 


Congrats!!!!

Community Leader
Senior Contributor
myjourney
Posts: 25,277
Registered: ‎02-07-2013

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

Congrats 

"Intelligence plus character--that is the goal of true education"
Cap1 EO link below
http://lmgtfy.com/?q=Capital+One+CEO+email+address+#seen
Last 5 apps 6/6/13
Established Contributor
Simply827
Posts: 650
Registered: ‎10-15-2012

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

Congrats! If I were you OP, I'd CLOSE those sub-prime cards, especially if they have any fees. I just dumped Credit One yesterday and got my new PayPal Extras card. Primeville feels great. The rebulders have done their jobs, feel free to cut them loose.


Starting Score: 515
Current Score: EQ 667 EX 670 TU 683
Goal Score: 700+

PSECU $10000 | Discover IT $9250 | DCU $5000 | Chase Freedom $4000 | Citi TYP $3500 | Barclay Ring $3500 | PayPal Extras MC $3000 | US Airways $2000 | Cap 1 Platinum $1700 | Cap 1 QS One $1500 | Union Plus $1000 | Target $200
New Contributor
mcf
Posts: 355
Registered: ‎02-25-2013

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

[ Edited ]

Congrats!

Starting Score:Walmart TU 686, MyFico EQ 630, Credit Sesame 649, CK 636Current Score: 689 TU/Walmart CK 645 Goal Score:700 CLUB
Last HP:5/21/13Take the myFICO Fitness Challenge
Regular Contributor
BackInTheSaddleAgain
Posts: 129
Registered: ‎02-08-2013

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

What CL did PayPal Extra's give you? I was thinking of applying with them this week and your scores are pretty similar to mine.


Starting Score: EX: 640, EQ: 659, TU: 694
Current Score: EX: 716, EQ: 716, TU: 703
Goal Score: EX: 750, EQ: 750, TU: 750

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Frequent Contributor
HYPASS33
Posts: 326
Registered: ‎04-08-2013

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

What were your scores?
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011

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

Congrats on the approval!  All that gardening paid off!

 

Don't forget to change your siggy back to the seedling, to represent your new sprouts :smileyvery-happy:


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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New Contributor
Education44
Posts: 64
Registered: ‎02-24-2012

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

I'll probably wait six months and then close them.



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

New Contributor
Education44
Posts: 64
Registered: ‎02-24-2012

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

I went in this afternoon to change it, but I couldn't remember how. Can you remind me?



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


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