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Established Member
Posts: 11
Registered: ‎09-21-2012
0

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

Contributor
Posts: 133
Registered: ‎04-07-2008
0

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!
Established Contributor
Posts: 637
Registered: ‎07-24-2012
0

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 $108.3k on 13 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, Amex Zync NPSL (> 10k), C1 Venture VS $6.5k, Chase Slate $3.5k, 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
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Valued Contributor
Posts: 2,708
Registered: ‎10-16-2008
0

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

Awesome!!!

 

Yay to you, for sure!

 

Good job.  Smiley Happy

Regular Contributor
Posts: 156
Registered: ‎07-11-2012
0

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)
Established Member
Posts: 11
Registered: ‎09-21-2012
0

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

Frequent Contributor
Posts: 275
Registered: ‎09-30-2012
0

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

Good, news! now start gardening!


Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

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 816 EX 780 TU 823
App free since 4/11/13
Established Contributor
Posts: 657
Registered: ‎06-27-2012
0

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
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

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!



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