Welcome to the community 
@Anonymous wrote:
Hello Community! This is my first post here. I guess you can say I'm in the rebuilding stage. 556 TU, 582 EX and 596 EQ. Quite a few lates on student loans, but are current now, 1 old Sprint account in collections, a paid, closed, small installment loan and a Capital One charge-off (paid in full) from when I was 18 and irresponsible. I recently opened a CC with my credit union with a $300 cl, a secured Capital One for $200 and also a Fingerhut Freshstart account.
So I just got an instant approval for an Ashley Stewart $250 limit. I know that isn't much, but I'm just excited about instant approval! I applied for a VS credit card a while back and got the 7-10 day message. I just knew I was denied, but turns out they just needed to verify and I was approved for $250 about a week ago, which gave me some confidence to apply for more Commenity cards. So today I applied for Lane Bryant, Justice and Ashley Stewart; AS was the only instant approval, got the 7-10 day message for the other two. Whether I get approved or not, I feel like it's time to chill out on the apps (I think that's what ya'll call"gardening"), cause my inquiries are ridiculous right now. Excited about using these accounts responsibly to work on rebuilding!
Grats on starting to get your financial life in order Im going to advise you to not indiscriminately take those shopping card pre approvals (if this is where you are apping for them from), only get the ones you are actually going to use, these boards are full of people who went overboard on these cards. You are going to want to get 1 more revolving major bankcard, the minimums to drive your Fico are 3 bankcards and 1 store card. You can hold off for awhile on getting it to give time for all these new accounts to report and everything settled down. If you need help with those negs you can post on this board to get specific help with them.
