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What a Great Day!

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JK21
Established Member
‎12-10-2013 11:25 AM
‎12-10-2013 11:25 AM

What a Great Day!

Great 3 weeks I have been having.  My amazon card went from $500 to $800 then my Wal Mart Card went from $400 to $700.  I wanted to get a personal loan for my self to help me build my credit and pay it off in a reasonable time. I got approved for  a $2000 loan from my local credit union and I also got offered for a visa rewards card for a 3,000 limit. It will be my highest card to date. My fico went from 596 to 641 in 4 months. Do you guys have any advice for me? i am new to his been trying to build my credit for the year and its finally coming around.

Starting Score: 614
Current Score: 614
Goal Score: 700

Take the FICO Fitness Challenge
Message 1 of 7
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coldnmn
Mega Contributor
‎12-10-2013 11:30 AM
‎12-10-2013 11:30 AM

Re: What a Great Day!

Congrats! IMHO garden for the next 6 months to a year. Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 2 of 7
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Blackrv7
Frequent Contributor
‎12-10-2013 11:33 AM
‎12-10-2013 11:33 AM

Re: What a Great Day!

Same recom here, garden for at least six months while treating those two new TLs nicely and watch your scores rise.


Current myFico EX 734, EQ 777, TU 742
AAoA 6 years 3 months, Length 25 years 2 months

Message 3 of 7
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Swapmeet
Valued Contributor
‎12-10-2013 01:02 PM
‎12-10-2013 01:02 PM

Re: What a Great Day!

Of course, I agree with the gardening advice. Do not apply for anything else, even though I know it's tempting.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Message 4 of 7
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Jansroom726
Regular Contributor
‎12-10-2013 03:16 PM
‎12-10-2013 03:16 PM

Re: What a Great Day!

Yep, as others have stated. Garden those cards and you will be headed in the right direction. Congrats.

25 years old. Scores around 740. Income = 45K. Chase Car Loan @ 2.4%, AAOA = 2 years. Total Personal CL = 120k.
Message 5 of 7
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Luscher
Valued Contributor
‎12-10-2013 09:20 PM
‎12-10-2013 09:20 PM

Re: What a Great Day!

Garden and pay on time/pif
CHASE FREEDOM | AMEX BCE | | BOFA REWARDS | CITI TYP | Quicksilver | DISCOVER IT | Sallie Mae | CHASE CSP
--------$32,000-------------$30,000-----------$30,000-----------$30,000-----$13,000---------$18,200----------$15,000---------$6,500----

FICO - TU: 780 EX: 784 EQ: 781
Message 6 of 7
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djc1puno
Valued Contributor
‎12-10-2013 10:05 PM
‎12-10-2013 10:05 PM

Re: What a Great Day!

congrats! what an accomplishment in such a short time Smiley Happy WTG!



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
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