Credit Card Center Advertiser Disclosure

Valued Contributor
Posts: 3,021
Registered: ‎02-09-2012
0 Kudos

2012 Credit Challenge ended and 2013 has begun

When I joined this site back in Feb of last year, my credit was in fair shape, at best.


I had 4 paid collections(1 of which was Amex), a single 30-day, and a unpaid repo from 2007.


I was declined for secured cards at first (when I found this site and started "rebuilding") despite having a Belk (GE backed) store card, and an orchard unsecured card with $400 CL.


Now 11 months later I've had all paid collections and 30-day removed and have hit the all important SOL of 5 years (Florida) on my unpaid repo.  In about 6 months, I'll start to send GW's until it falls off in 2-2.5 years.


I've also have closed my starter cards and secured crap one and finally have some prime plastic in my wallet to include Barclay Visa, Amex Zync NPSL, Amex Delta Gold, and just instantly approved this past tuesday for an Amex Gold PRG.  I also have a Walmart and Amazon store card as well as Best Buy MC.


Though I'm no where near PRIME PRIME cards until this repo falls off, my scores are just under 700 and I'll continue to add credit to my reports and let them age, so when that repo does fall off, I'll see a very nice score increase.


My advice is to stay on top of the GWs and PFD's and TRACK everything. Keep records of everything.  This is one sport where persistance pays-off, eventually.

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.