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I didn't realize how little I understood about credit until I found this site. I joined Myfico in March 2013 and found that I had a Equifax score of 575. Suffice it to say I have a history of making bad credit decisions. I only had one credit card, a Capitalone MC with a 3.2k limit that I couldn't get to move no matter what I did. Well, armed with the information from the board, I was able to get an IRS tax lien removed from my report and a BOA cash rewards card with a 5k limit back in August 2013. Once I had the BOA card I was able to contact the Capitalone FB folk and press for an CLI. My CL was increased to 5k (amazing!).
Last week I applied for the True Earnings AMEX (I practically live at Costco) and was instantly approved for 5k. On the same day I applied for the Chase Freedom. I was instantly approved for 4.5k for the Freedom but reconned and asked for 10k and was countered with 7k. I could not be happier! To have a credit score over 700 is almost more than I can believe. I keep looking at it to make sure it is real! I will be in the garden for minimally a year because I want to buy a house.
Thanks to all the contributors that I have learned from. You turned my credit life around and I am forever grateful!
Congrats!
Many congratulations, OP! It's a great feeling. Pass it forward!
Big congratulations -- and thank you for sharing such an encouraging story.
Grats to your continued success
Amazing!
Congratulations and thanks for sharing your successes with us. No one here changed your credit "life" around ... you did.
congrats