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Valued Member
irishpassion9702
Posts: 34
Registered: ‎09-20-2012

Slow but steady wins the race

I am so thankful for all of the information I have learned here. I started off with 4 baddies on my CR and have since PIF on all of them. Once those updated my TU Fico score went from a 622 to a 659 which is not great, but it's a start. Since then I was added on as an authorized user to a CC with a limit of $700 with a UTI of 8% as of yesterday and I also am a joint account on our auto loan. I only had 1 hard inquiry on my CR that is due to fall of in Dec 2012. Well this morning I decided to go ahead and give USAA Rewards Card a shot and applied not expecting to see what I wanted. Well imagine the shock and grin on my face when they approved me for a CC with a limit of $1500. I know it's not huge, but I'm not looking for huge, I'm looking for the overall rewards by going slow and building myself back up. We are not looking to purchase a home until we get to our next assignment in 2 years, so I know that if I keep up the good work, we should have no problems of attaining that goal. Thank you to everyone who contributes here on a daily basis, your experiences and knowledge and helped me so much! 

Established Contributor
hoping2rebuild
Posts: 905
Registered: ‎07-25-2008

Re: Slow but steady wins the race

 

Congrats


Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Moderator
Shogun
Posts: 11,090
Registered: ‎04-15-2011

Re: Slow but steady wins the race

Congrats!  Love seeing those success stories in the mornings.   Keep building and best of luck to you!


Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Going for Wade64's RUDY Spade!
Frequent Contributor
novabama
Posts: 305
Registered: ‎08-24-2012

Re: Slow but steady wins the race

Awesome for you! I just joined USAA and am happy about it! Do you mind if I ask if you like them? I plan to go for their secured card in Dec or January and after a few months apply for a regular CC with them. 

 

Congrats!


Goal Score: 640 Good things come to those who wait.
Good things come to those who work their butt off and never give up.

Removals - Asset Acceptance, Receivable Solutions, LVNV Funding, Enhanced Recovery, Credit Systems Int, Discover Financial, Amchek/Amsher, Financial Adj Services, Chase, Target, AFNI, RJM, Portfolio Rec!
Valued Member
irishpassion9702
Posts: 34
Registered: ‎09-20-2012

Re: Slow but steady wins the race

Thanks Shogun, it has done wonders for my mood today as well :smileyhappy:

 

@NovaBama, I love USAA. We use them for our savings/checking/insurance and auto loan. Their customer service is amazing as well, they have always made me feel important and respected as a member. For them to approve me with a 9.9% with my low TU Fico score of 659, they are my best friends now. We plan on using them once we go to buy our house in a few years.

Frequent Contributor
TheConductor
Posts: 421
Registered: ‎07-24-2012

Re: Slow but steady wins the race

Congrats on the new card, and kudos to you for your patience and positive attitude as you are rebuilding!

 

Slow and steady is just the nature of the beast with credit rebuilding, so you are coming at it with the right mindset and as you can see you are already reaping the rewards.

 

Way to go!!

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12) Current: EQ 675 (myFICO 9/26/13), EX 712 (CreditSesame FAKO 10/9/13) , TU 696 (WalMart 10/3/13) Goal: 700+ x3
My Wallet: Amex BCP $10k, Amex Zync NPSL (> 10k), Chase CSP VS $9.2k, C1 Venture VS $5k, Amex SPG $4.5k, Barclaycard Apple V $2k, Walmart (Store) $1.2k, Chase Freedom V $600, BoA Cash Rewards V $500, Best Buy Rewards MC $500
Dream Wallet:Barclaycard Arrival WMC (replace C1 Venture), Amex Platinum (replace Zync eventually), Andrews FCU Global V (chip + PIN for travel). Otherwise, pretty happy with my portfolio now.
Regular Contributor
Tay09
Posts: 116
Registered: ‎09-02-2012

Re: Slow but steady wins the race

Congrats!!

Valued Member
irishpassion9702
Posts: 34
Registered: ‎09-20-2012

Re: Slow but steady wins the race

Thanks TheConductor. It took me a while to get myself into the mess and I sure did not go into cleaning up my mess with any "rose colored" glasses on, so that has helped out. I avoided working on my credit for years, but just got tired of the CA's calling and decided I needed to take control of my situation and correct my past mistakes. It's now turned into a mission for me. My goal is to at least be at 750 across the board in 2+ years when we get to our next base and start the process of buying a home. I'm hoping for an easy first home buying experience with as little stress as possible. We qualifu for the VA loan so just making sure all our ducks will be in a row at that point!

Frequent Contributor
TheConductor
Posts: 421
Registered: ‎07-24-2012

Re: Slow but steady wins the race

Haha, you picked the right avatar then!  One duck down, now you just need the others to line up behind that guy.  :smileyhappy:

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12) Current: EQ 675 (myFICO 9/26/13), EX 712 (CreditSesame FAKO 10/9/13) , TU 696 (WalMart 10/3/13) Goal: 700+ x3
My Wallet: Amex BCP $10k, Amex Zync NPSL (> 10k), Chase CSP VS $9.2k, C1 Venture VS $5k, Amex SPG $4.5k, Barclaycard Apple V $2k, Walmart (Store) $1.2k, Chase Freedom V $600, BoA Cash Rewards V $500, Best Buy Rewards MC $500
Dream Wallet:Barclaycard Arrival WMC (replace C1 Venture), Amex Platinum (replace Zync eventually), Andrews FCU Global V (chip + PIN for travel). Otherwise, pretty happy with my portfolio now.
Valued Member
irishpassion9702
Posts: 34
Registered: ‎09-20-2012

Re: Slow but steady wins the race

Lol, I didn't even notice the relevance until you pointed it out, that's too funny!


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