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Valued Member
Posts: 31
Registered: ‎06-14-2012
0

First Victory!

I am really suprised how good getting my first instant approval felt!!  It was only a Walmart store card, and the limit is only $700, but it's my first instant approval since this process started!  (at least I'm guessing it's a store card and not a discover card)

 

I'm one step closer to prime-ville!

 

 

Frequent Contributor
Posts: 297
Registered: ‎08-08-2012
0

Re: First Victory!

Congrats!


What are your scores?

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Valued Member
Posts: 31
Registered: ‎06-14-2012
0

Re: First Victory!

My EQ FICO is 666, my last TU FICO was 600, but that was a few months ago.  I'm not sure which Walmart pulled, I haven't gotten an alert yet.  I may have been able to get this card earlier, but I'm seriously application gun shy because of rejections in the past.

Frequent Contributor
Posts: 297
Registered: ‎08-08-2012
0

Re: First Victory!

I dont blame you... just got approved for a BoA CC 3K 2.5 weeks ago. I dont have my FICO score but  my FAKO with USAA is EX 596 EQ 596 and TU 652 (was successful with getting 2 neg TLs removed by Cap1). I dont like rejections!!!

I may hold off with applying for 6months

 

Where did you pull your EQ and TU (Thanks for sharing)

 

Once again congrats

 

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: First Victory!


AvaMommy wrote:

I dont blame you... just got approved for a BoA CC 3K 2.5 weeks ago. I dont have my FICO score but  my FAKO with USAA is EX 596 EQ 596 and TU 652 (was successful with getting 2 neg TLs removed by Cap1). I dont like rejections!!!


 


how did you get your neg tl with cap1 ? Would you mind to share with other ? and pm me your method and email address or address if you have any...and Congrat to your new walmart card post


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Frequent Contributor
Posts: 297
Registered: ‎08-08-2012
0

Re: First Victory!

It was a PIF CO, I sent them an email and they called. Asked for additional info and a couple of days later stated they will delete the neg TL. Ill PM the email I sent the GW letter to

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Established Member
Posts: 21
Registered: ‎05-07-2012
0

Re: First Victory!

Sorry to bump. Hi AvaMommy! Would you mind sharing with me as well? I sent an email and got a call from the executive office and hey said thy cant do anything. So I sent another email and the same lady called back, but I couldn't call her back before she left for the day.

Thanks so much in advance!!

Starting Score: (TU) 581 (EQ) 577 (EX) 546 - - March 2012
Current Score: 7/2012(TU) 644 (EQ) 600 (EX) 586 --> 8/2012 (TU) 646 (EQ) 625 (EX) ?
Goal Score: 640 across the board to qualify for FHA home loan


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Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: First Victory!

 


AvaMommy wrote:

It was a PIF CO, I sent them an email and they called. Asked for additional info and a couple of days later stated they will delete the neg TL. Ill PM the email I sent the GW letter to


thank you but still wait for the info

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Frequent Contributor
Posts: 297
Registered: ‎08-08-2012
0

Re: First Victory!

What do you mean?

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Valued Member
Posts: 31
Registered: ‎06-14-2012
0

Re: First Victory!

I pulled both FICO scores from this site.  While rebuilding, I am using the ScoreWatch product from here for the EQ Fico and the quarterly monitoring for the TU98 (I think) FICO.  This Walmart card will also give me access to a free monthly TU08 (I think) FICO, so that's good.  I also use the USAA Credit Monitoring Premium service that allows me to pull all 3 reports every day.  

 

My situation is definitely improving, but man it's hard to be patient!

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