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I have ARRIVED!!

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Azumi1
Regular Contributor

I have ARRIVED!!

Today I was approved for Amex BCE for 7500 and Discover IT for 6000. Time to garden til next year.  

From 566 in 8/2012 to..

EQ 704 /TU 690 / EX 730

Discover IT 6000, Amex BCE 10000, FNBO Amex 3500, Cap 1 platinum 2000, Walmart Discover 5000, Orchard Bank platinum 3000, Best Buy 5000, Merrick Bank 1600, Target Visa 700
Message 1 of 12
11 REPLIES 11
dodfire
Valued Contributor

Re: I have ARRIVED!!

Congrats and welcome to the garden!!! 

*8/10/13
Message 2 of 12
missionpossible
Valued Member

Re: I have ARRIVED!!

Congratulations!

Message 3 of 12
chevyman
Contributor

Re: I have ARRIVED!!

Ok what is the garden
Message 4 of 12
Azumi1
Regular Contributor

Re: I have ARRIVED!!

Pretty much no apps or CLI reqs , anything that requires a hard pull.  You cultivate the credit you already have with timely payments and using it wisely.  

From 566 in 8/2012 to..

EQ 704 /TU 690 / EX 730

Discover IT 6000, Amex BCE 10000, FNBO Amex 3500, Cap 1 platinum 2000, Walmart Discover 5000, Orchard Bank platinum 3000, Best Buy 5000, Merrick Bank 1600, Target Visa 700
Message 5 of 12
koky
Frequent Contributor

Re: I have ARRIVED!!

If you don't mind me asking What Score Range are you in???
Message 6 of 12
VirtualCuriosity
Established Contributor

Re: I have ARRIVED!!

Congrats on the arrival


TU713, EQ 731 , EX 726 (As of 12/13/14) - Personal Goal = 760

“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin

Gardening since 3-26-15































Message 7 of 12
Azumi1
Regular Contributor

Re: I have ARRIVED!!

Thanks

Eq-699
Tu-684
Ex-706, provided by amex

I still have several negs on my report-1 chargeoff from 2008, a paid collection, a 60 day late from last June, and 3 major derogs 90-120+ lates from 2008/2009. I rec'd the 5-7 day msg from both. The amex I just left alone and 4 days later they emailed me. Discover I recon'd. The analyst seemed impressed how I've cleaned up my credit since 09, no lates other than that 60 day late on my student loans.
From 566 in 8/2012 to..

EQ 704 /TU 690 / EX 730

Discover IT 6000, Amex BCE 10000, FNBO Amex 3500, Cap 1 platinum 2000, Walmart Discover 5000, Orchard Bank platinum 3000, Best Buy 5000, Merrick Bank 1600, Target Visa 700
Message 8 of 12
koky
Frequent Contributor

Re: I have ARRIVED!!

Wow so they do a Manual Review then???
Message 9 of 12
Azumi1
Regular Contributor

Re: I have ARRIVED!!

Yes. I applied around 7pm, then called around 8:30. The csr transferred me to the senior analyst that was handling my app.
From 566 in 8/2012 to..

EQ 704 /TU 690 / EX 730

Discover IT 6000, Amex BCE 10000, FNBO Amex 3500, Cap 1 platinum 2000, Walmart Discover 5000, Orchard Bank platinum 3000, Best Buy 5000, Merrick Bank 1600, Target Visa 700
Message 10 of 12
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