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Valued Member
echo13
Posts: 27
Registered: ‎12-28-2012
0

9 months later and 84 points higher!

9 months ago, I decided to take action of my credit and improve it. I was sick and tired of the situation so I decided to sign up for this site and take control. Now I am no where near where I want to be but I've improved none the less. Where at once I had no credit available credit, I now have 4 and with major companies. After registering for this site I seeing how bad my credit was I figured why not take the chance and sign up of a capitalone card to try and rebuild my credit. With my luck i was approved for for card 500CL. I used this card as my gas card and only paid for gas with it. As gas was charges to manage and payoff. After doing this for a few months my CL was upped to 750. After this happen I continued doing the same thing and to see how long I could go. Then for whatever reason last month I decided to apply for the capital one cash rewards card and with my luck I was approved with a 1000CL. On the same day I also applied for a chase freedom card and was also approved with a 1000CL. After paying off my statement balance this month, I decided to aim high and complete and completed a mail offer letter I got from AmEx for a Green card. Again with my luck I was approved for a green card with no spending limit. Today I decided to aim high again and applied for a discover it card, I was approved but only this time I had to call in and answer a few questions about my past.

I'm happy to say thanks to all of you guys I now have 4 cards and I'm up 84 points.

Chase Freedom (1000 CL), Capital One No-Hassle (750 CL) & Cash Rewards (1000 CL) American Express Green (NSPL), Discover Card IT (1500 CL).

AMEX Green: NPSL | AMEX BCE: 6K | Chase CSP: 5K | Chase Freedom: 1.5K | Chase SW (AU): 10K | Discover IT: 2K | WF CashBack: 1K | Cap1 No-Hassel: 1.25K | Cap1 CashBack: 1.5K
Regular Contributor
NY_Beauty
Posts: 193
Registered: ‎11-10-2012
0

Re: 9 months later and 84 points higher!

Awesome! What were you starting scores?

Amex Green Amex Gold Delta Rewards Discover IT CU Rewards Visa Closed on my new home 5/2013!

Valued Member
echo13
Posts: 27
Registered: ‎12-28-2012
0

Re: 9 months later and 84 points higher!

 I was at 545, now at 629 average score. 

AMEX Green: NPSL | AMEX BCE: 6K | Chase CSP: 5K | Chase Freedom: 1.5K | Chase SW (AU): 10K | Discover IT: 2K | WF CashBack: 1K | Cap1 No-Hassel: 1.25K | Cap1 CashBack: 1.5K
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: 9 months later and 84 points higher!

Nice work!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Established Member
Chi2012
Posts: 19
Registered: ‎12-29-2012
0

Re: 9 months later and 84 points higher!

Is that trans union or your fico score ?

Starting Score: 523
Current Score: 664
Goal Score: 700


Take the myFICO Fitness Challenge
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: 9 months later and 84 points higher!

Congrats

Contributor
jetsfan2013
Posts: 147
Registered: ‎11-28-2012
0

Re: 9 months later and 84 points higher!

Congrats awesome job

Rebuilding Since 11/11
Current Score: 659 5/14 | Goal Score: 710+ 4/15
Cap 1 Quicksilver 2250 | Cap 1 Visa 2000 | Barclays Apple Visa 2000 | Discover IT 1500 | American Signature Store 1000 |

Rebuilders: First Natl 850 | Show MC 550 | Walmart Store 150 | American Eagle Store 150 ~~ Garden rest of 2014
Frequent Contributor
NewbieReed
Posts: 443
Registered: ‎12-05-2012
0

Re: 9 months later and 84 points higher!

Congrats!

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Valued Member
echo13
Posts: 27
Registered: ‎12-28-2012
0

Re: 9 months later and 84 points higher!


Chi2012 wrote:
Is that trans union or your fico score ?

fico score

AMEX Green: NPSL | AMEX BCE: 6K | Chase CSP: 5K | Chase Freedom: 1.5K | Chase SW (AU): 10K | Discover IT: 2K | WF CashBack: 1K | Cap1 No-Hassel: 1.25K | Cap1 CashBack: 1.5K
New Contributor
stormb28
Posts: 104
Registered: ‎12-12-2012
0

Re: 9 months later and 84 points higher!

Jealous.

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