01-10-2013 04:41 PM
Lasardo wrote:
So I started 1 year 3 months ago, 27 negative items.. Credit score 554.
Today I pulled it: nothing left, 9 inquirys removed..725 Experian, 720 EQ and TU don't know but assume much higher being that it is TU.
all I have had up until now is secured cards $300 CL's so when I got an offer for a credit card with Citibank, 18 months no interest, cash back, 12.99% I interest I thought I'd be lucky to get a $500 CL. They came back with $6500.00 I'm feeling a bit like an adult now, little nervous but I earned this. It was a lot if work but it paid off.
Thanks everyone for your help this last year.
This board has been invaluable.
Lasardo wrote:
So I started 1 year 3 months ago, 27 negative items.. Credit score 554.
Today I pulled it: nothing left, 9 inquirys removed..725 Experian, 720 EQ and TU don't know but assume much higher being that it is TU.
all I have had up until now is secured cards $300 CL's so when I got an offer for a credit card with Citibank, 18 months no interest, cash back, 12.99% I interest I thought I'd be lucky to get a $500 CL. They came back with $6500.00 I'm feeling a bit like an adult now, little nervous but I earned this. It was a lot if work but it paid off.
Thanks everyone for your help this last year.
This board has been invaluable.
Stories like this give me so much hope that I will reach my goal one day!!! Congratulations!
Starting Score: 52901-10-2013 04:47 PM
that's so awesome. congrats!!
01-10-2013 08:35 PM
01-10-2013 10:34 PM
Congrats!! great job in improving and rebuilding your credit!
01-11-2013 09:14 AM
How did you get nine removed? God, I got none removed from goodwill.
01-11-2013 02:24 PM
01-11-2013 06:47 PM
Congrats your approval!
And if you plan on buying a home I would just stick with that CL until you close on your new home. I don't believe that it will hurt your chances at all. Wait at least 6 months before you mortgage app and keep your utili low. You'll be just fine getting approved for a home.
01-11-2013 06:53 PM
Congratulations. YOur hard work paid off.
Starting Score: 61001-14-2013 09:04 PM
01-14-2013 09:06 PM

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO


