01-25-2013 11:50 PM - edited 01-25-2013 11:55 PM
In August of last year, my credit was just terrible. I couldn't even get a Capital One secured card. I started my journey to repair my horrible credit in September of 2012. Today my credit is 720. I was going to wait 6 months before I applied for anything, but impatient me couldn't wait. Here are the results of tonights spree:
Chase Freedom - Approved (3K limit)
Walmart Discover - Approved (1100 limit)
Chevron/Texaco Visa Card - Approved (unknown limit)
Citi Forward - Denied (probably from too many apps or low aaoa)
Barclaycard - Denied (who knows why? Maybe too many apps too)
Holy mackeral - the Chase Freedom is my first decent limit card ever in my entire lifetime. Feels great to know I am back in the game. I'm not gloating, I'm simply happy!
01-26-2013 01:40 AM
Congrats! I am hoping that in about 6 months I will have a similar story to tell here.
01-26-2013 03:10 AM
I did go on app spree with 2 cards and 8,5K (AAofA 19yrs / 3% util) to 6 cards and 26,5K in November but today CK is sending me to hell with "Free Fall" with only 2 new cards reporting yet....I am now really curious what Fico will do with me ??? and what the final result will be if all new cards are reporting ??? Still the same low util but AAoA has dropped. So now very exited to get the results from EQ as TU through CK is heavily punishing me for this app spree... lost over 50 point for AX reporting! Discover and Chase still missing. This will be a lot of fun
01-26-2013 05:58 AM
Great job Johnny! And those are some nice cards BTW.
01-26-2013 06:36 AM
Thank you for sharing your journey! I am hoping to be in this type of credit situation in 6-9 months from now. I really want to buy a house more than anything. Like you I also want some decent credit cards as well.
01-26-2013 07:02 AM
Grats! I plan on apping for a Chase card in July. I was also denied by Citi and Barclay for not enough credit history.