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Valued Contributor
Posts: 1,084
Registered: ‎02-06-2013
0

Re: Dewdrop credit rebuilding log

    Thank you for your support. I am really curious as to what my EQ and EX scores are now. I am hopefully almost to a threshhold where I can be approved for a credit card that I wasn't previously eligible for. I think 640 is a threshhold for some. I know it is a threshhold for some mortgages so it probably is for some credit cards as well. I'm in gardening mode for now although I just can't wait to get a third active tradeline established and aging...

259/21001600/16002400/25002000/2000,2013 Scores (Initially none cause I had no credit at all then TU:519 Recent scores:FICO EX 632,EQ 635,TU 659....Link to my Rebuild Log
Valued Contributor
Posts: 1,084
Registered: ‎02-06-2013

Re: Dewdrop credit rebuilding log

259/21001600/16002400/25002000/2000,2013 Scores (Initially none cause I had no credit at all then TU:519 Recent scores:FICO EX 632,EQ 635,TU 659....Link to my Rebuild Log
Valued Contributor
Posts: 1,084
Registered: ‎02-06-2013
0

Re: Dewdrop credit rebuilding log

---Approved... Discover It card. CL:1000 dollars...

259/21001600/16002400/25002000/2000,2013 Scores (Initially none cause I had no credit at all then TU:519 Recent scores:FICO EX 632,EQ 635,TU 659....Link to my Rebuild Log
Valued Contributor
Posts: 1,084
Registered: ‎02-06-2013
0

Re: Dewdrop credit rebuilding log

    I reapplied for Chase Freedom last week. Was given the 7-10 day message. I reconned and they talked with me for a while, put me on hold for a while, then asked me to  fax address verification. I did that 4 days ago. I called back today. They said that my address verification was probably between departments somewhere in the company and c all back in a week... So I refaxed address verification along with a new and improved cover sheet where I provided more info and explanation. Hopefully one of the two faxes will get to the right person soon. My application is listed as pending with them as of today. i hope that is a good sign because when I appleied a couple months ago then called they told me immediately that it was rejected and gave me reasons why. So I have my fingers and toes crossed that if they are still stringing me along with this address verification that I will be eventually approved....

259/21001600/16002400/25002000/2000,2013 Scores (Initially none cause I had no credit at all then TU:519 Recent scores:FICO EX 632,EQ 635,TU 659....Link to my Rebuild Log
Established Contributor
Posts: 976
Registered: ‎02-14-2013
0

Re: Dewdrop credit rebuilding log

Congrats!!  and super congrats on the score increase as well!

EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

Valued Contributor
Posts: 1,084
Registered: ‎02-06-2013
0

Re: Dewdrop credit rebuilding log

    I called the Chase Freedom recon line again 2 days ago to see if my verification of physical address info had arrived there. Twice now they said that what I faxed them is not clear enough. So I sent them through snail mail photocopies of my id twice. If that doesn't do it, idk what will. I paid my credit cards in full this od.morning and have zero balances which feels good. I am hoping to get approved for the Chase Freedom this week and then off to the garden for me for about 6 months. I have a lot of new accounts and the most important thing I need to do is just wait at this point. I am only using my cards to make token purchases to keep them active because I am very afraid of going into debt. I got credit cards to help my credit not to go into debt and I keep reminding myself of that.

259/21001600/16002400/25002000/2000,2013 Scores (Initially none cause I had no credit at all then TU:519 Recent scores:FICO EX 632,EQ 635,TU 659....Link to my Rebuild Log
Valued Contributor
Posts: 1,587
Registered: ‎08-30-2012
0

Re: Dewdrop credit rebuilding log

Way to go and congrats!!!

Scores: about 700 across the board
Total CL: $275k
Valued Contributor
Posts: 1,084
Registered: ‎02-06-2013
0

Re: Dewdrop credit rebuilding log


madmann26 wrote:

Way to go and congrats!!!


   Thanks. That is an impressive NFCU CL ya got there. That should help with future credit limits....

259/21001600/16002400/25002000/2000,2013 Scores (Initially none cause I had no credit at all then TU:519 Recent scores:FICO EX 632,EQ 635,TU 659....Link to my Rebuild Log
Regular Contributor
Posts: 246
Registered: ‎02-27-2013
0

Re: Dewdrop credit rebuilding log

You're doing fantastic!! Keep up the good work.

Start: (2-26): EQ 602 (Myfico) TU 579 (Credit Karma) EX 634 FAKO
Current: (7-12): EQ 690(myfico) WalmartTU 696 EX 689 (lender 6-3)
1st Goal: 680 across the board - DONE June 2013!
2nd Goal: 725 across the board
Established Contributor
Posts: 976
Registered: ‎02-14-2013
0

Re: Dewdrop credit rebuilding log

Congrats on all the success bud! Hope chase comes through for ya
EQ8: 646 EQ5: 652 V3.0: 665 **8/2015
TU8: 635 TU4: 700 V3.0 :663 **8/2015
EX8: 636 EX3: 670 V3.0: ? **8/2015
CCD Util 35%

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