Credit Cards Center Credit cards from our partners
Reply
New Contributor
Posts: 57
Registered: ‎07-03-2011
0

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!
Mega Contributor
Posts: 17,148
Registered: ‎08-08-2011
0

Re: Been Rebuilding my Credit for almost 3 yrs now

Congrats on a great job! Thanks for sharing.


IT $16.5k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $10k / Walmart Mastercard $8k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.95k / Citi DC (WMC) $5.7k
Gardening Date 7/01/16 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
Frequent Contributor
Posts: 388
Registered: ‎10-26-2009
0

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
Senior Contributor
Posts: 10,281
Registered: ‎09-24-2013
0

Re: Been Rebuilding my Credit for almost 3 yrs now

congrats

.
Established Member
Posts: 30
Registered: ‎09-13-2011
0

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.

Community Leader
Senior Contributor
Posts: 30,826
Registered: ‎02-07-2013
0

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?
Moderator Emeritus
Posts: 14,051
Registered: ‎04-15-2011
0

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!
Regular Contributor
Posts: 234
Registered: ‎11-09-2013
0

Re: Been Rebuilding my Credit for almost 3 yrs now

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

Frequent Contributor
Posts: 285
Registered: ‎06-25-2010
0

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

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.