03-11-2010 10:58 PM
so over the past 5 years i have been fixing my credit after really messing it up during college, with collections and lates, and charge off's. my score back when i got out of college was 520. i have periodically tried applying for credit cards here and there but always get disapproved inspite of my recent credit history being very good, no lates or anything. i travel constantly so the orchard bank card i have with a limit of 1800 has not been enough. i end up maxing it out. and having to pay it off before the end of the month to try and use it again, for hotel bookings and rental cars.
well i applied for amazon visa and nfcu visa. neither were instant approvals. the amazon card was approved after a short phone call with them however i dont know what the limit is yet. the nfcu card is still in review as they requested proof of income.
03-14-2010 01:19 PM
congrats! glad you were able to get a cc, i too were in the same boat and trying to recover from college and rebuild mycredit.
03-14-2010 01:51 PM
Congratulations on getting another card- I'm sure more will follow after that one.
After College I did the worst thing possible to mess up my credit- I defaulted on my student loans. Since then I have paid off all my student loans and making that last payment was a great feeling. I noticed that paying off old student loans really helps your fico. On top off that I got into trouble with my first credit cards!
You said you have been "fixing" your credit for 5 years. Just remember that most everything falls off your report after 7 years- if they haven't dispute them. It sounds like you are moving in the right direction- with new trade lines and a little time all your bad credit will just age off your reports and you will just have the good credit trade lines.
04-09-2010 11:30 PM
well i finally got approved for the nfcu visa as well with a 10k limit. im quite happy at this point. seems things are generally progressing in a good direction. now if i could just refinance my car and house id be set.