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They didn't prequalify me until my lowest scores increased to about 660ish. They suggest a card either way but the language is different when you actually prequalify. This is what I see now: Captain, we found a personalized offer for you–the Discover it® card. It used to come back with: Captain, does your credit card give you everything you deserve? So if you see the latter, don't start rejoicing yet. Hopefully you saw the first one though!
Yeah...i got the range 11-23.24% and it says 'does your credit card give you everything you deserve?'
"Use your Credit wisely, don't let it use you!"~Me
Happy friday kidn sir, I like the reply. It shows others there is true help and people who care.
Why have you not apped for Capital One as I suggested months ago??
I was unable to get approved at the time , so the course I took if I could remeber was
1. Secure Card OpekSky $200 , got a point increase
- then Cap one pre Qual , no dice , as I had a Cap one Neg on my report
2. Think I opened up maybe 4 to 5 Tradlines with my own money around 3K
-the Cap one Pre Qual again , no Dice
Then I said screw it , time to dispute Cap once for removal.
Fast forward today , I think after my B of A card $3000 I just gave up on Cap One, even though they are now being deleted , well somthing happend Yesterday
+23 points , however no sure were it cam from .
"As fast as you scores have risen, if you had apped back in April/May"
I see what your saying , Cap One was a no go at the time and still was a no Go.
I am sure now I can get one, however with over 6K in credit , 2 car loans and over 6 Months of on time payments spreading over 12 accounts
I have forzen all reports to avoid any more hard pulls.
Again , I follow what your saying however it wasnt the dry and cut, trust me I was on Cap everytime I jumped ins score.
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USAA
@Anonymous wrote:Happy friday kidn sir, I like the reply. It shows others there is true help and people who care.
Why have you not apped for Capital One as I suggested months ago??
I was unable to get approved at the time , so the course I took if I could remeber was
1. Secure Card OpekSky $200 , got a point increase
- then Cap one pre Qual , no dice , as I had a Cap one Neg on my report
2. Think I opened up maybe 4 to 5 Tradlines with my own money around 3K
-the Cap one Pre Qual again , no Dice
Then I said screw it , time to dispute Cap once for removal.
Fast forward today , I think after my B of A card $3000 I just gave up on Cap One, even though they are now being deleted , well somthing happend Yesterday
+23 points , however no sure were it cam from .
"As fast as you scores have risen, if you had apped back in April/May"
I see what your saying , Cap One was a no go at the time and still was a no Go.
I am sure now I can get one, however with over 6K in credit , 2 car loans and over 6 Months of on time payments spreading over 12 accounts
I have forzen all reports to avoid any more hard pulls.
Again , I follow what your saying however it wasnt the dry and cut, trust me I was on Cap everytime I jumped ins score.
What was their last denial reason? They usually send a letter and an email link to a PDF. Is there an inquiry from them on your reports for the last app?
FWIW, you shouldn't freeze reports when you are actively rebuilding, wait to do that when you're done. Otherwise you end up freezing/unfreezing every time you need to app.
Okay , Okay I was hard headed. I finally sat still .... watched my AOA blossom. made my payments.
I love you guys, 11 months ago I was at 420 today I stad tall , I stand aware , I stand ready to push on.
Current score 702
I said its time to press apply for a real credit card.... since I have been with NavyFed fore 5 years ,,,why not!
well......
CashRewards Visa
Date: 05/11/2017
Subject: The status of your new cashRewards Visa credit card >>>>> is Approved.
Message:
Congratulations! Based on your creditworthiness, you have been approved for a cashRewards Visa credit card. Your new credit line will be $8,200.00. Your APR will be 10.4 . Expect your credit card within 5-7 business days for regular mail delivery; expedited shipping times vary based on location.
Your confirmation number is xxxxxxxxxxxx
Cant belive it ....so friggin happy.
Congrats on your rebuild and new card!
Thanks , guess now I will go back into the garden for a Year.
I have 2 secure Cards that I use for Gas, Food and Bills.
To be honest have not use for the $8K
it will be sitting there for emergency I guess.
to think this all started with a $200 Opensky card to Now $8K
The 2 tax liens I had from 2012 and 2015 just fell off.
Oh boy , did I take a hit.
43 Points , gone.
what happend ?