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What a great week I've had!!!

Established Member

What a great week I've had!!!

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
Current Score: EQ 669 Lender pulled
Goal Score: 700

Message 1 of 11
10 REPLIES
Contributor

Re: What a great week I've had!!!

congrats!  that is a great week.  keep gardening.

7/11/08: EQ: 635, TU: 658, EX: 607
10/10: TU 634, EQ 626, Ex 626
9/14/2012: TU 622, EQ 660
10/16/2012: TU 731, EQ 706 - finally on my way!
Message 2 of 11
Established Contributor

Re: What a great week I've had!!!

Great news!

 

Ask for a CLI on that Walmart in 4 months - should be a soft pull.  Otherwise, stay in that garden and watch the scores go up!!

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12), Total CL $1k on 2 TLs
Current: EQ 709 (CCT 2/4/15), EX 704 (CCT 2/4/15) , TU 702 (CCT 2/4/15), Total CL $110.3k on 14 TLs Goal: 740+ x3
My Wallet: Amex BCP $30k, Chase United Explorer $16k, Amex SPG $13.5k, Barclaycard Ring MC $12.5k, Chase CSP VS $12.2k, Discover it $10.5k, C1 Venture VS $6.5k, Chase Slate $3.5k, Amex Hilton Surpass $2k, Barclaycard Apple V $2k, Chase Freedom V $1100, BoA Cash Rewards V $500, Citi BestBuy $500
My Loans: Prosper $25k/36mo, Prosper $17k/36mo
My Business: Chase Ink VS $5k, Amex BRG NPSL (> 10k),
Message 3 of 11
Highlighted
Valued Contributor

Re: What a great week I've had!!!

Awesome!!!

 

Yay to you, for sure!

 

Good job.  Smiley Happy

Message 4 of 11
Regular Contributor

Re: What a great week I've had!!!

Great news! Keep it up!

In full gardening/ debt annihilation mode! (4/15/13)
Notre Dame FCU Visa 0/2k (8/04); CapOne Best Buy 800/1.5k (7\06)
Citi Thank You World MC 4800/9.7k (1/11); Amex Zync NPSL (9/11)
Chase Freedom Visa 1600/3.8k (9/11); Chase Southwest RR Premier Visa Signature 4300/10.7k (6/12); Discover It 0/3k (7/12)
EQ: 751 (4/1/13) EX: 742 (4/8/13) TU: 732 (4/8/13)
Message 5 of 11
Established Member

Re: What a great week I've had!!!

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).


Starting Score: 580
Current Score: EQ 669 Lender pulled
Goal Score: 700

Message 6 of 11
Frequent Contributor

Re: What a great week I've had!!!

Good, news! now start gardening!

Message 7 of 11
Valued Contributor

Re: What a great week I've had!!!

Congrats! Admirable goals. Keep up the good work!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 8 of 11
Established Contributor

Re: What a great week I've had!!!

congrats, enjoy that new iphone!

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 9 of 11
Moderator Emeritus

Re: What a great week I've had!!!


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!


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!



Take the myFICO Fitness Challenge
Message 10 of 11