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Making Progress!!!

Frequent Contributor

Re: Making Progress!!!

Congratulations!!!


Starting Score: EQ 615 (MyFICO) TU 588 (Walmart) EX 576 (EX Website) Started this journey 06/26/2014
Current Score: EQ 710 (MyFICO) TU 673 (Walmart) TU 726 (MyFICO) EX 706 (MyFICO) As of Sep 2015
Goal Score: 750 or higher across the board

Take the myFICO Fitness Challenge
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Established Contributor

Re: Making Progress!!!

Who does Barclays Pull ? And has anyone done the pre-approval and got a pre-approved and not just a pre-selected?

I just tried it and got the pre-selected offer. Not taking it just yet, still working on getting my UTL down on others first.

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
7/31/16 TU 710 ~ EQ 699~ Ex 705
My Wallet: Cap1 3,500K ~FH 2950 Credit One 1800~Credit one #2 1500.00~Orchard Bank 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 11K ~Care Credit 4,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 3/17)
Valued Contributor

Re: Making Progress!!!

TU
BK Discharge 2/11/14

Currently in the garden.
Established Contributor

Re: Making Progress!!!

Thanks!

12/4/12 TU 589 MyFico ~EQ 579 MyFico ~EX 577(Fako)

Myfico 8 scores
7/31/16 TU 710 ~ EQ 699~ Ex 705
My Wallet: Cap1 3,500K ~FH 2950 Credit One 1800~Credit one #2 1500.00~Orchard Bank 400 ~NFCU nRewards 18K~NFCU Cash Rewards signature| 11K ~Care Credit 4,500
Last Negs to fall off: 2-Cap1 CO's PD (fall off 3/17)
Valued Contributor

Re: Making Progress!!!

No problem.
BK Discharge 2/11/14

Currently in the garden.
Frequent Contributor

Re: Making Progress!!!

Congrats! In my experience Barclays will evaulate your credit history every 6 months and auto-CLI if you prove you are capable of responsible management. I started at $750, auto-CLI to $2050 after the 6th statement and then just in June auto-CLI to $3350 after 12th statement. So, yes, use it often and pay more than miminum (I rarely PIF on Barclay) and around your 6th statement make sure your UTL is below 10%--your CL should grow pretty fast Smiley Happy



Amex BCE: $2600 - Bank of America Cash Rewards: $6500 - Barclaycard Apple: $2000 - Barclaycard Rewards: $3350 - Capital One Quicksilver: $5000 - Chase Freedom: $3700 - Discover IT: $1200 - Walmart Store: $1700
Valued Contributor

Re: Making Progress!!!

I'm one to always pay in full on the due date of the statement.

Will they give me more love if I accrue any interest?
BK Discharge 2/11/14

Currently in the garden.
Frequent Contributor

Re: Making Progress!!!


0REDSOX7 wrote:

Will they give me more love if I accrue any interest?

No one can answer that with certainty but my guess is: No, they won't reward you a higher CLI if you accrue interest. They will reward you if use it often, illustrate a need for higher CL and pay more than the minimum every month. Minimum payments to a lender = consumer financial difficulty.



Amex BCE: $2600 - Bank of America Cash Rewards: $6500 - Barclaycard Apple: $2000 - Barclaycard Rewards: $3350 - Capital One Quicksilver: $5000 - Chase Freedom: $3700 - Discover IT: $1200 - Walmart Store: $1700
Established Member

Re: Making Progress!!!

'Grats! I hope I can make a "progress" thread soon. Smiley Happy

Valued Contributor

Re: Making Progress!!!

I would rather use it for everything and just pay in full but have read that Barclays doesn't like you to pay in full or make multiple payments in one month...
BK Discharge 2/11/14

Currently in the garden.