Reply
Valued Contributor
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013
0

Re: Dewdrop credit rebuilding log

     So I called Chase again yesterday and they confirmed that they received a copy of my driver license that was acceptable as proof of physical address and that they hadn't "verified" my address yet but that my application is basically complete and that I should call back sometime next week for a decision. I am confident that if they try to verify my address they should have no problem since the house there is in my Dad's name which is the same last name as mine. I have zero balance on all  my cards except for 1 that has a balance of 3 dollars and 20 cents so my scores should be pretty much optimised if they try to pull them again. i don't want to app for anything else til this Chase thing gets resolved because I don't want to hurt my chances in any way.

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
Frequent Contributor
Deltadog03
Posts: 345
Registered: ‎02-14-2013
0

Re: Dewdrop credit rebuilding log

That would be a great card! Sounds like its going well
EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
Valued Contributor
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013
0

Re: Dewdrop credit rebuilding log

     I got credit cards and started my rebuilding journey to help my credit. I was really irresponsible with credit cards in the past and I don't make much money so I have to keep at the forefront of my strategy and keep reminding myself that more important than CLIs or strategies to get them is to remember that I was irresponsible with credit cards in the past and got into debt and a lot of trouble so I have to remember that the most important thing is to stay out of debt. So if employng strategies to get CLIs puts me at risk of going into debt again and getting sloppy with my bills then I should just not carry a balance and forgo the CLIs. I have to remember this and I recommend others who may be like me and who were irresponsible in the past should remember this also.

 

i am referring to what was discussed in this thread:

 

http://ficoforums.myfico.com/t5/Credit-Cards/Ouch-Discover/m-p/2098285#M583524

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
Valued Contributor
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013
0

Re: Dewdrop credit rebuilding log

     I called the automated line and put in my social security number. Here is what the automated message said: Congratulations. You have been approved for a Chase Freedom Card with a credit limt of 2000 dollars. I am so excited. This effectively doubles my overall credit limt and also doubles my biggest single limit! Yay... and off to the garden I got for like a year. Thanks for everyone's support and help.

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
Valued Contributor
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013
0

Re: Dewdrop credit rebuilding log

[ Edited ]

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
Valued Contributor
madmann26
Posts: 1,440
Registered: ‎08-30-2012
0

Re: Dewdrop credit rebuilding log


dddewdrop wrote:

https://www2.onlinecreditcenter6.com/consumergen2/ficoChart?score=6482013051362120130403519201303045...


FAIL!

 

I'm sure it's good news, so congrats anyway! :smileyvery-happy:

 


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Regular Contributor
txmomma26
Posts: 246
Registered: ‎02-27-2013
0

Re: Dewdrop credit rebuilding log

Congrats on the Freedom!! That's my next want...in 6-9 months when I have a solid year of payment history on my baby cards.

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
Valued Contributor
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013
0

Re: Dewdrop credit rebuilding log

Thanks. I'm gardening for at least 6 months, then Citi and Amex, here I come......

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
Valued Member
xp2inc3x
Posts: 27
Registered: ‎06-02-2013
0

Re: Dewdrop credit rebuilding log

Learn alot from reading your thread. Was looking for someone that i can relate to about rebuilding credit, congrats

Established Contributor
sjt
Posts: 691
Registered: ‎05-05-2010
0

Re: Dewdrop credit rebuilding log

Thanks for sharing your journey!

 

Have you thought about applying for an Amex Charge? You can get it backdated.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}