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Regular Contributor
newhouse2013
Posts: 244
Registered: ‎12-31-2012
0

Re: $6500 credit line!


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: 529
Current Score: EQF 643, TU 677 EXP 631,Lender Pulled Aug 2, 2013 EX 665, TU 664 and EQF 643
Goal Score: 701



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Contributor
crew99
Posts: 76
Registered: ‎12-01-2012
0

Re: $6500 credit line!

that's so awesome.  congrats!!


Starting Score: CK 658 12/4/12 | CS 658 12/4/12 | myFico(EQ) 696 12/1/12
Current Score: CK 695 12/2/13 | CS 721 12/4/13 | myFico(EQ) 685 12/22/13
Goal Score: 800 Dare I Dream??


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Established Contributor
Lasardo
Posts: 745
Registered: ‎04-26-2012
0

Re: $6500 credit line!

Ya know, I just went to a class on home buying which is where I am at in my journey.
I am hoping opening this $6500 CL was not a mistake.
CS 728- 01/13 from 554-12/11
Goal: 800
Regular Contributor
sonson
Posts: 241
Registered: ‎12-04-2009
0

Re: $6500 credit line!

Congrats!! great job in improving and rebuilding your credit!


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


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Frequent Contributor
ando35
Posts: 277
Registered: ‎10-05-2010
0

Re: $6500 credit line!

How did you get nine removed? God, I got none removed from goodwill. 

Established Contributor
Lasardo
Posts: 745
Registered: ‎04-26-2012
0

Re: $6500 credit line!

You can dispute inquires just like anything else.
CS 728- 01/13 from 554-12/11
Goal: 800
Valued Contributor
Rhaeny
Posts: 1,507
Registered: ‎07-24-2011
0

Re: $6500 credit line!

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.


Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014
Contributor
BKFireFly
Posts: 149
Registered: ‎01-03-2013
0

Re: $6500 credit line!

Congratulations.   YOur hard work paid off.

***Nothing Beats a try but a Fail*** I refuse to fail, success is the only option.
Established Contributor
Lasardo
Posts: 745
Registered: ‎04-26-2012
0

Re: $6500 credit line!

Would if I need to buy in 2-3 months and I have a limited income, do you think it is going to be a problem that I gained credit before buying?
CS 728- 01/13 from 554-12/11
Goal: 800
Established Contributor
Lasardo
Posts: 745
Registered: ‎04-26-2012
0

Re: $6500 credit line!

Ando- did you trying using the permissible purpose provisions of the FCRA to remove your inquiries?
CS 728- 01/13 from 554-12/11
Goal: 800

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