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thank you!!

Regular Contributor

thank you!!

After messing up my credit in 2008 when i lost my job I had 6 charge offs and 2 collections accounts. After all the help I got from reading these forums my journey started July of last year..started off with rebuilding and paying off my debt. Now I'm down to 3 charge offs on my file and no collections on my CR. I started with an bofa secured, orchard bank and a low limit cap1. So last month I tested the waters was approved for Walmart - 1k Macys- 600 then last night I felt it was time to get some prime cards under my belt even though I felt I was going to get denied. My score from CK was 633 and had a utilization of 20%....I went for a Chase freedom and was approved for $500 and I also got approved for 1k..I was shocked I was approved. I'm so happy now my old cards will be SD and I will use both these cards charge 10-15% a month and pif right away. To the garden I go and my journey will continue!! Thank you Myfico members and contributors!!!!


MY FICO = 690 CK=660 GOAL = 750 and my own house!..Back in the garden

Message 1 of 14
13 REPLIES
Valued Contributor

Re: thank you!!


Shinoga wrote:

After messing up my credit in 2008 when i lost my job I had 6 charge offs and 2 collections accounts. After all the help I got from reading these forums my journey started July of last year..started off with rebuilding and paying off my debt. Now I'm down to 3 charge offs on my file and no collections on my CR. I started with an bofa secured, orchard bank and a low limit cap1. So last month I tested the waters was approved for Walmart - 1k Macys- 600 then last night I felt it was time to get some prime cards under my belt even though I felt I was going to get denied. My score from CK was 633 and had a utilization of 20%....I went for a Chase freedom and was approved for $500 and I also got approved for 1k..I was shocked I was approved. I'm so happy now my old cards will be SD and I will use both these cards charge 10-15% a month and pif right away. To the garden I go and my journey will continue!! Thank you Myfico members and contributors!!!!


Big congrats!!! and congratulations on your first prime card approval! Trust me, i know the feeling. I jumped and cried of joy when Discover approved me (my first unsecured prime card)!!!...Smiley Happy

gardening since 5/21/2016
Message 2 of 14
Regular Contributor

Re: thank you!!

Congrats on your Rebuilding process! I'm currently rebuilding also!


Starting Score: EQ 548 [ Feb 2010 ]
Current Score: TU 663 EQ 686
Goal Score: 700


Take the FICO Fitness Challenge







Message 3 of 14
Super Contributor

Re: thank you!!

grats!

 

it's a hard and long process. but the rewards are sweet!

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 4 of 14
Established Contributor

Re: thank you!!

Congrats on your hard work! It's paying off little by little.
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Message 5 of 14
Frequent Contributor

Re: thank you!!

Congrats!

Starting Score: 530
3-2013Score: TU 680 EQ 683 EXP 679 FAKO
Current Score (lender pull): TU 693 EQ 649 EXP 699 Lender Pull
Goal Score: 700


Take the FICO Fitness Challenge
Message 6 of 14
Established Member

Re: thank you!!

Congrats!!!

Rebuilding since BK Discharge on 09/2006
Gardening Since 02/19/2013
Credit.com (707) Credit Sesame (801) Walmart (709) Credit Karma (688) Quizzle (714)


Message 7 of 14
Established Contributor

Re: thank you!!

That's awesome!!!
Good bloody job!

NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Message 8 of 14
Moderator Emeritus

Re: thank you!!

Congratulations, and welcome to Primeville!!! Smiley Very Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 9 of 14
Mega Contributor

Re: thank you!!


Shinoga wrote:

After messing up my credit in 2008 when i lost my job I had 6 charge offs and 2 collections accounts. After all the help I got from reading these forums my journey started July of last year..started off with rebuilding and paying off my debt. Now I'm down to 3 charge offs on my file and no collections on my CR. I started with an bofa secured, orchard bank and a low limit cap1. So last month I tested the waters was approved for Walmart - 1k Macys- 600 then last night I felt it was time to get some prime cards under my belt even though I felt I was going to get denied. My score from CK was 633 and had a utilization of 20%....I went for a Chase freedom and was approved for $500 and I also got approved for 1k..I was shocked I was approved. I'm so happy now my old cards will be SD and I will use both these cards charge 10-15% a month and pif right away. To the garden I go and my journey will continue!! Thank you Myfico members and contributors!!!!


CONGRATS!!!!

 




EQ FICO 548 3/3/16
Message 10 of 14