Keep doing the work - it pays off! They pulled Experian - currently at 716 with $8k reporting across 3 existing cards with combined cl's of $42k. Decided to take a shot at the Sapphire Preferred based on the bonus offer and also knowing that just paying those other 3 cards down could bump me to the 740-760 range pretty quickly if I wanted to re-app. Got the 10-day pending message (and that guilty feeling in the pit of my stomach for having possibly apped outside of my depth) then called the backdoor number last night and she said she could decision it on the spot. Put me on hold for 2 minutes and came back with $10k approval!!
Read the boards. FOLLOW the advice. Focus on the process. Celebrate and share.
Starting Score: 639 (Walmart TU)
knockinitout wrote:By FAR the best part of my rebuild was that I'd defaulted on 2 student loans and discovered the loan rehab offers that are available almost universally. Called em up, got on a payment plan, automated the payments for about 18 months - then they orginiated as new loans in good standing but reported the original loan origination date giving me essentially 2 15 yr+ tradelines reporting in good standing in place of 2 defaulted loans - complete and utter game changer.
For those of you who have lots to fix - if student loans are part of the problem - that's the place to start.
I went through loan rehab and mine are actually paid off now. The lenders updated to paid as agreed but the servicing company is saying they don't have to. Were you able to get the servicing company to update as well?
knockinitout wrote:Keep doing the work - it pays off! Equifax is currently at 716 with $8k reporting across 3 existing cards with combined cl's of $42k. Decided to take a shot at the Sapphire Preferred based on the bonus offer and also knowing that just paying those other 3 cards down could bump me to the 740-760 range pretty quickly if I wanted to re-app. Got the 10-day pending message (and that guily feeling in the pit of my stomach for having possibly apped outside of my depth) then called the backdoor number last night and she said she could decision it on the spot. Put me on hold for 2 minutes and came back with $10k approval!!
Read the boards. FOLLOW the advice. Focus on the process. Celebrate and share.
How many inquiries did you have?
knockinitout wrote:Keep doing the work - it pays off! Equifax is currently at 716 with $8k reporting across 3 existing cards with combined cl's of $42k. Decided to take a shot at the Sapphire Preferred based on the bonus offer and also knowing that just paying those other 3 cards down could bump me to the 740-760 range pretty quickly if I wanted to re-app. Got the 10-day pending message (and that guily feeling in the pit of my stomach for having possibly apped outside of my depth) then called the backdoor number last night and she said she could decision it on the spot. Put me on hold for 2 minutes and came back with $10k approval!!
Read the boards. FOLLOW the advice. Focus on the process. Celebrate and share.
Love it!! Congrats!
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