Credit Score JUMP!

[Anonymous]

I received a notification from CCT there was a change to my report. I log in and BAM! My score JUMPED!!

My new numbers are:

EX 581 (+26)

TU 577 (+36)

EQ 580 (+30)

So, I went to the Capital One site to see if I could get approved for a QS1 and got approved for $500 CL!

I currently have Captial One $300CL and Carsons $250CL. And, have only had these acounts since 9/2015.

This good. Real good.

[Rebuilding69]

So you just got your 3rd card? If so you should see another extra boost soon for having 3+ cards imo.

And grats on the score jumps!

[Anonymous]

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@Rebuilding69 wrote:

So you just got your 3rd card? If so you should see another extra boost soon for having 3+ cards imo.

And grats on the score jumps!

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Yes, this is my 3rd card. I tried to get one last month after the first 2 but got denied. I really wanted a rewards card to use for the money I spend anyway (gas, groceries, etc).

[lesse]

Congrats its a wonderfulllll feeling!! i just love seeing that approved message on the screen .. music to my ears after being denied through all of my life

[Country_Feller]

Congratulations!!!!!

[Anonymous]

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@Rebuilding69 wrote:

So you just got your 3rd card? If so you should see another extra boost soon for having 3+ cards imo.

And grats on the score jumps!

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I have been reading through the many posts here that 3 cc's are best, but not sure these include dept store cards? This means, I need to get 1 more card at some point. I really want a Discover, but my scores are no where near that finish line.

[Anonymous]

Congrats! On your way up for sure!

[cartwrna]

A store card will appear nearly the same, you just need 3 revolvers, which a store card is. You don't want to fill your file full of inquiries at the rate of a possible decline. Discover is hard to get in with, especially if you have any negatives left on your report. I have one paid collection and scores in the 700s and still haven't been able to get in with them. I gave up though as I have no need for a ton of cards. I currently have DCU Visa 5k, Commerce Bank 6k, QS1 3k, Barclays Apple 2k, Dodge Card 3k. And two of my secured rebuilder cards I've been toting around, probably should cancel. At this point I've realized I have no use for all of these cards, and it actually has been brought up during car financing etc. on another note though, congrats on the approval.

[Anonymous]

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@cartwrna wrote:
A store card will appear nearly the same, you just need 3 revolvers, which a store card is. You don't want to fill your file full of inquiries at the rate of a possible decline. Discover is hard to get in with, especially if you have any negatives left on your report. I have one paid collection and scores in the 700s and still haven't been able to get in with them. I gave up though as I have no need for a ton of cards. I currently have DCU Visa 5k, Commerce Bank 6k, QS1 3k, Barclays Apple 2k, Dodge Card 3k. And two of my secured rebuilder cards I've been toting around, probably should cancel. At this point I've realized I have no use for all of these cards, and it actually has been brought up during car financing etc. on another note though, congrats on the approval.

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Thanks for the feedback. I do not want a bunch of cards, but the ones I do have should make sense based on my needs. I have some old collections I need to pay and hope to get deleted. And, I am 5 months into a permanent modification (3 trial, 2 regular) in which BOA has not reported any payments since May 2015 - when my trial mod began. Ho hum ... the waiting is almost unbearable!

[Anonymous]

Hi. I had the same scores in July-Aug.

IT WILL RISE FROM THE DEAD. I PROMISE.

I have 4 unsecured, 2 Store Cards.  I'm just bored out of my mind in the garden, not allowing anything that could cause an Inquiry, running highlighters thru my credit reports searching for discrepancies and becoming the Dispute Queen.

Congrats and YAY FOR CASH BACK!!!! THIS IS EXCITING!!!