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Been Rebuilding my Credit for almost 3 yrs now

New Contributor

Re: Been Rebuilding my Credit for almost 3 yrs now

I've been trying to get a Discover It Card for a while and last time it said to try with a co applicant or something like that so i think my odds are improving i hope! I don't want to go overboard on applying for credit so i should and probably stop for a while. I was wondering if I get approved for credit cards and store cards i have applied for will it remove the inquiries if i am approved?

EQUI 659, TRANS 660, EXP 666 these are my Scores as of 9/19/2016!
Message 11 of 19
Mega Contributor

Re: Been Rebuilding my Credit for almost 3 yrs now

Congrats on a great job! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 12 of 19
Frequent Contributor

Re: Been Rebuilding my Credit for almost 3 yrs now

The only thing that removes inquiries is time.  They have no impact after one year and disappear after two years.



Starting Score: TU 672 EQ 654 10/20/09
Current Score: TU 775 EQ 783 EX 799 (PLUS)
AMEX Delta Platinum $35K, NFCU Visa Signature $30K, HHonors Reserve Visa $35K, WF $13.5K, IHG Rewards Club MC $25K
Message 13 of 19
Senior Contributor

Re: Been Rebuilding my Credit for almost 3 yrs now

congrats


Message 14 of 19
Established Member

Re: Been Rebuilding my Credit for almost 3 yrs now

How soon should you try a GW letter? How soon is too soon?

 

I settled 2 CC's after 150 days late, with one of them charging off. It's been 1 year for one, and 15 months for the other.

 

Thanks.

Message 15 of 19
Super Contributor

Re: Been Rebuilding my Credit for almost 3 yrs now


mf91745 wrote:

How soon should you try a GW letter? How soon is too soon?

 

I settled 2 CC's after 150 days late, with one of them charging off. It's been 1 year for one, and 15 months for the other.

 

Thanks.


Yesterday Lol

Seriously start GW's and good luck

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 16 of 19
Moderator Emeritus

Re: Been Rebuilding my Credit for almost 3 yrs now


myjourney wrote:

mf91745 wrote:

How soon should you try a GW letter? How soon is too soon?

 

I settled 2 CC's after 150 days late, with one of them charging off. It's been 1 year for one, and 15 months for the other.

 

Thanks.


Yesterday Lol

Seriously start GW's and good luck


And that would be a day too late!

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 17 of 19
Regular Contributor

Re: Been Rebuilding my Credit for almost 3 yrs now

Bigtime congrats!  I hope to share my own success story later on Smiley Happy

Message 18 of 19
Frequent Contributor

Re: Been Rebuilding my Credit for almost 3 yrs now

Awesome work!

Current Score: TU (discover) 720 - 6/29/14 | EQ (score watch) 777 - 7/19/14 - Last App 7/21/14

NPSL          |      $27,600         |      $15,000      |      $7,000      |     $2,800     |      $11,000    |      $13,530      |      $5,200
Message 19 of 19