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Wolf3 40 Month Milestone.

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Wolf3
Senior Contributor

Wolf3 40 Month Milestone.

I started rebuilding 40 monts ago.   I was AU on my wifes Sears MC (CITI), the ony card she had left.

 

My first app was a US Bank secured card.   Denied!!  

 

3 secured cards followed in the next year, Then some store cards in the following year.

 

I got 2 major cards from HSBC and Capital One after having their secured cards for about 1.5 years each.

 

I have be declined for 3 major cards with other banks this year. But, just recently got some store cards with big limits.

 

Today I recieved my first major card not preceded by a secured card.  It is a cobranded REI Visa from US Bank $4500 CL. ( come full circle).

 

So I am claiming victory in my journey to primeville.  

 

 

P.S.   Same day's mail had another AMEX green card invitaion ( in the shredder ).

 

 

 

 

Message 1 of 9
8 REPLIES 8
beb86
Valued Contributor

Re: Wolf3 40 Month Milestone.

Man you are doing awesome... CONGRATS on your progress

Message 2 of 9
ntx
Regular Contributor

Re: Wolf3 40 Month Milestone.

Congratulations!  

FICO 8 as of March 27, 2024:
Message 3 of 9
webhopper
Moderator Emeritus

Re: Wolf3 40 Month Milestone.

Congrats on your progress Smiley Happy
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 4 of 9
RyVision
Valued Contributor

Re: Wolf3 40 Month Milestone.

 

Congrats Wolf3! 

 

And welcome to PrimeTime!   That time and effort can really pay off huh?    Smiley Happy


AKA 840flippedto480
Message 5 of 9
Epcot
Valued Contributor

Re: Wolf3 40 Month Milestone.

Nice progress!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 6 of 9
Cadillac-XTS
Established Contributor

Re: Wolf3 40 Month Milestone.

Congrats

Message 7 of 9
Repo-ed
Senior Contributor

Re: Wolf3 40 Month Milestone.

I'd like to get that REI card someday.  I heard they are a tough nut to crack w/ approvals

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 8 of 9
Wolf3
Senior Contributor

Re: Wolf3 40 Month Milestone.

I was declined for it  early last year.   

 

If it ever gets upgraded to Signature card, then that will be a another big milestone.   Maybe in a few years, when the negatives drop off my report.

 

 

Message 9 of 9
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