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Frequent Contributor
StartinOver
Posts: 263
Registered: ‎09-08-2007
0

Unsecured my Visa today and...

Been working on my credit a long time. Just recently it got good enough for a mortgage, almost ready to close, lender did last pull today.

I immediately call CU #1 and applied for regular Visa because I wanted to get my $1100 back from my secured & a higher CL. They said I was in A category, eligible for 8.79 with $8,000 limit - yeah! when I got my secured card 16 months ago my score was 525.

Then called my new CU I joined thru new job 5 months ago. Said I was elible for 4.99, i think, and tomorrow I'll find out if I get the requested $10,000 limit.

Wow, 770 score really opens doors! That's it. I don't need any more cards. No more obsessing over my scores either, just monitoring a few times a year.
4/25/11 FICO: EQ 761....EX 770.....TU 744
3/6/2011 FICO: EQ 710... EX 718... TU 710
09/09 FICO: EQ: 525
Valued Contributor
Datx
Posts: 1,051
Registered: ‎05-20-2010
0

Re: Unsecured my Visa today and...

Wow, that really is awesome. Always great to hear stories like these. Thanks for sharing and congrats!

TU: 603 – EQ: 569 – EX: N/A – May 2010

Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011
0

Re: Unsecured my Visa today and...

 


StartinOver wrote:
Been working on my credit a long time. Just recently it got good enough for a mortgage, almost ready to close, lender did last pull today.

I immediately call CU #1 and applied for regular Visa because I wanted to get my $1100 back from my secured & a higher CL. They said I was in A category, eligible for 8.79 with $8,000 limit - yeah! when I got my secured card 16 months ago my score was 525.

Then called my new CU I joined thru new job 5 months ago. Said I was elible for 4.99, i think, and tomorrow I'll find out if I get the requested $10,000 limit.

Wow, 770 score really opens doors! That's it. I don't need any more cards. No more obsessing over my scores either, just monitoring a few times a year.

 

Congrats. You have beaten me on CLI at unsecure. My BofA secured went to 7500 unsecured from 500 secured. You got 8k unsecured.

 

Way to go...

 

Well, now I have to keep myself happy so I will remind myself that though I got less CL than you did, I got it CLIed to 10k in about a month.

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Frequent Contributor
StartinOver
Posts: 263
Registered: ‎09-08-2007
0

Re: Unsecured my Visa today and...

so we both had a $7000 increase :smileyhappy:
4/25/11 FICO: EQ 761....EX 770.....TU 744
3/6/2011 FICO: EQ 710... EX 718... TU 710
09/09 FICO: EQ: 525
Valued Contributor
visorboy1974
Posts: 1,132
Registered: ‎05-17-2010
0

Re: Unsecured my Visa today and...

Definitely nothing to sneeze at.  Great job! 

Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011
0

Re: Unsecured my Visa today and...


StartinOver wrote:
so we both had a $7000 increase :smileyhappy:

Well, in a way yes. But I tend to count it like you got 8000 and I got 7500 CLI as I believe we had no credit from the bank (500/1100 was our money, not what bank trusted us with).

 

That aside, congrats on a job well done. Another proof of the fact that good track record even if its short can reap some good rewards.

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)

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