11-13-2012 05:10 PM
Ok so I first want to thank this website and ALL of the members who actively contribute because of you guys I have turned my credit score around from 545 (Jan 2011) to Well over 700. I went on letter writing campaigns, PFD letters and so on and got all my baddies removed!! Currently I have a Secured card from Crap 1 and the No hassles card, Orchard, Walmart, Car Care, Care credit, Lenscrafters, QVC, JC Penneys, Amazon and PP Smart Connect. I started with the very low limits between $400-700.Now all my limits are well over $1500 and mind you all these cards have been received this year, PP Smart connect is my oldest, apped in Nov 11 started at $800 now at $1500. I apped for prime cards earlier in rebuilding and gor denied consistantly, now yesterday I got the itch again and pulled the trigger and apped for the Discover card. Instead of getting the usual 7-10 days message it had me verify info from my credit report, I was like hmmmm interesting. Then it asked me to call a financial analyst and also set up online access. I called the analyst, he asked me about AAoA and my inquries and then told me: WELL WE CAN APPROVE YOU FOR $1000 FOR THE DISCOVER MORE CARD!!! I nearly jumped for joy before I realized I was still at work LOL. I know its not a super high limit but I am in the door! This time last year Discover would not even let me smell one of their cards, now they are letting me in the door and Myfico.com I am forever grateful!!! :-)
Congrats on your credit journey, ur success, and approval with Discover. I started my history from zero back in january and now i just got my Discover in the mail today & i couldnt have done it with out this forum!
11-13-2012 06:52 PM
Way to go!
11-13-2012 07:02 PM
11-13-2012 10:18 PM - edited 11-13-2012 10:26 PM
you've worked hard to improve your credit and you're starting to reap the rewards
hana hou (good job!)
ETA: that's why i chose my nick here on myFICO, "Imua" - Hawaiian for KEEP GOING, GO FORWARD... i wanted and needed to keep improving my credit, going forward, not backward/// just what you've done
11-13-2012 10:49 PM
11-14-2012 02:03 PM
Congrats ! I app for 1 too and got approved for $5500 dunno how but I have 2 liens and 1 judgment that are paid 1 late in the past 12 months and lates in the past even 90 days late!!
11-14-2012 05:15 PM
Welcome to the Discover family! You took the time to research this topic, and made the effort to build up the credit history! Congratulations on getting the fruits of your labor. It's harvest season!!!
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.