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Valued Contributor
Posts: 1,072
Registered: ‎02-06-2013
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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...

390/14001100/13001500/15001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
Valued Contributor
Posts: 1,072
Registered: ‎02-06-2013

Re: Dewdrop credit rebuilding log

390/14001100/13001500/15001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
Valued Contributor
Posts: 1,072
Registered: ‎02-06-2013
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Re: Dewdrop credit rebuilding log

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

390/14001100/13001500/15001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
Valued Contributor
Posts: 1,072
Registered: ‎02-06-2013
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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....

390/14001100/13001500/15001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
Frequent Contributor
Posts: 446
Registered: ‎02-14-2013
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Re: Dewdrop credit rebuilding log

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

EQ FICO 8: 629 (+15) As of 3/1/2015
TU FICO 8: 623 (+2) 2/27/15 *Hasn't updated yet w/ new CCD Util
EX FICO 8: 659 (0) *Hasn't updated yet with new CCD util
CCD 14% **on EQ, TU and EX should update soon**

Goal: 700 Across the board
Valued Contributor
Posts: 1,072
Registered: ‎02-06-2013
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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.

390/14001100/13001500/15001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
Valued Contributor
Posts: 1,498
Registered: ‎08-30-2012
0

Re: Dewdrop credit rebuilding log

Way to go and congrats!!!


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $7.7k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
Posts: 1,072
Registered: ‎02-06-2013
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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....

390/14001100/13001500/15001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.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
Frequent Contributor
Posts: 446
Registered: ‎02-14-2013
0

Re: Dewdrop credit rebuilding log

Congrats on all the success bud! Hope chase comes through for ya
EQ FICO 8: 629 (+15) As of 3/1/2015
TU FICO 8: 623 (+2) 2/27/15 *Hasn't updated yet w/ new CCD Util
EX FICO 8: 659 (0) *Hasn't updated yet with new CCD util
CCD 14% **on EQ, TU and EX should update soon**

Goal: 700 Across the board

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