Has brought a lot of changes and a lot of new knowledge. I currently don't have a credit score, everything good and bad has fallen off my credit report with the exception of one Auto Loan for a car I bought 15 years ago that was paid off on time. Since I got myself into all kinds of trouble in my early twenties I just didn't use credit for anything the next ten years. Apparently this is a bigger problem than having a bad history. I couldn't get anything for quite a while and was preparing myself to go the secured route to restart when I found this forum. I then rethought my original position and applied for Cap1, receiving a Plat. MC. Then after reading here I went back and applied for a QS1, only four hours later but a different calendar day so it was a second HP. Tried to get a Synchrony store card a couple different places and was denied for not having a score. Then my vehicle broke down, got it fixed and it broke down again. So I ended up purchasing a different vehicle with a loan my CU told me I never would have gotten if I hadn't been a member there for over a year with a not horrible average daily balance. All in all in the one week I've been here I've gotten two new CC's and an auto loan. Next is to wait until I have a score then Re-app for Synchrony, and possibly discover. End goal is to have four or five cards, one of each type and maybe one store card. I'm dreaming of the day I can have an AMEX in my wallet.
EX700 TU 704 EQ 694 4/03/22
Cap1 QS-$4,500 Chase Freedom Flex- $800 Chase Freedom Unlimited- $1,000 Victoria's Secret- $1,200 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $290 Chase Sapphire Preferred-$5,000 NFCU Flagship $13,800 AMEX BCE-$1,000 AMEX Gold-$5,000 AMEX Delta Blue $1,000 Lowe's $5,000 Navy Platinum $17,000 AMEX BBP $2,000
