This has been an amazing week for me. I have gone from denials to approvals with the help of tons of MyFico forums information. First, I got approved for an 19,000.00 auto loan with a 8.99% rate -down from 12.2%, then I got my cl limit raised on my GA's Own CU Visa from 500.00 to 2000.00. (no luck on a CLI with my Cap 1 unsecured with cl of 500.00 that I've had for 2 yrs ). I got a Walmart Store card with a 400.00 limit but that's ok, I've learned that card will grow with me quickly. And FINALLY.... I got approved for an AT&T Iphone without a deposit- after many years of trying. Now I'm going to the "garden" and work on improving my credit score. Hopefully I will be in the high 600's in 6 months. I do want to add, I have several baddies due to drop off of my CR the first half of next year but I have been paying my auto and student loans, and credit cards on time with no lates for the past 3 years... YAY ME!!!
Starting Score: 580
Awesome!!!
Yay to you, for sure!
Good job. 
Great news! Keep it up!
In full gardening/ debt annihilation mode! (4/15/13)Thanks everyone! I wish, I would have known the importance of having good credit when I was younger then I wouldn't be in my 40's trying to acheive it. . I stress the importance to my kids now how important it is and I need to practice what I preach so I can be a good role model to them (credit wise).
Good, news! now start gardening!
Congrats! Admirable goals. Keep up the good work!
Starting Score: EQ 717 EX 724 TU 736
@amazingluv43 wrote:This has been an amazing week for me. I have gone from denials to approvals with the help of tons of MyFico forums information. First, I got approved for an 19,000.00 auto loan with a 8.99% rate -down from 12.2%, then I got my cl limit raised on my GA's Own CU Visa from 500.00 to 2000.00. (no luck on a CLI with my Cap 1 unsecured with cl of 500.00 that I've had for 2 yrs ). I got a Walmart Store card with a 400.00 limit but that's ok, I've learned that card will grow with me quickly. And FINALLY.... I got approved for an AT&T Iphone without a deposit- after many years of trying. Now I'm going to the "garden" and work on improving my credit score. Hopefully I will be in the high 600's in 6 months. I do want to add, I have several baddies due to drop off of my CR the first half of next year but I have been paying my auto and student loans, and credit cards on time with no lates for the past 3 years... YAY ME!!!
Keep up the good work!
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!