The Science of Credit

[800ficogirl]

Thank you. Ive had their QS card before but I closed it after they refused to cancel the annual fee.. none of my cards have annual fees and I dont want to pay it. I only took this card to lower my utl since im modifying my savings vs debt repayment. But ill show them they can trust me with higher limits. By the end of the year im hopeful to have $25k in total limits and less than 30% in utl.. staying in the garden for sure this time until 700s across the board.. last card will be Discover Miles no annual fee and finally a Miles card..

[Anonymous]

You might also be able to grow the limits on your NFCU cards considerably - how old are they?

[800ficogirl]

They denied my cli.. they use Equifax to determine credit for members (which is my lowest score).. so I dont qualify... they use transunion for new members (my highest and how I got in" in the first place).. will wait until auto increases or 700s before I ask AnyBody again... (that does hard pull)

Just found out the total damages for all of this credit ive been trying to obtain... 15 points!! Went from 648 to 633 found out just a few minutes ago with the fico tracker with capital one.. (same as barclay and walmart).. but now I get 3 updates different times of the month... now lets see how fast these changes will get my score back up and pass the 648 to begin with....

In the garden until likely 2016!

[800ficogirl]

So oddly enough my barclay updated today with a 651 credit score.. it was 648 on barclay last month before the new inquiries, denials, and Cap one approval.. hmmm.. but the Cap one update just a week ago said 633 after the dip.. could it have already redeemed itself or should I expect it to change again?.. the next fico update will be from walmart in a few days.. until then I wont get comfortable..

[Shann0n_marie]

Interested in your progress!

[800ficogirl]

Well thank you,

And congrats on ur journey as well,... looks like ur off to a good start. wow $7500 from NF is really cool.. the max they gave me was $5000 (at 663 credit score) and ive yet to receive an increase since mid 2013,.. working on getting my balances lower in hopes they will give me some love,.. meanwhile im awaiting 2 new changes on my credit file,,, the add of a $1000 Cap One,.. and the $0 balance of a $19k student loan recently discharged thru the disability discharge program,... im hoping for about 40+ points,... (a girl can wish right),.. will find out withing the next 30 days,... until then im in the Garden, =)

[Anonymous]

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@800ficogirl wrote:
So oddly enough my barclay updated today with a 651 credit score.. it was 648 on barclay last month before the new inquiries, denials, and Cap one approval.. hmmm.. but the Cap one update just a week ago said 633 after the dip.. could it have already redeemed itself or should I expect it to change again?.. the next fico update will be from walmart in a few days.. until then I wont get comfortable..

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The Barclay score is a genuine FICO 8 score. The Cap One credit tracker score is a FAKO. You can't really put any stock in the Cap One score.

For some reason, Barclays hasn't updated my score since the initial score (610) they pulled on 3/26....

[800ficogirl]

Good to know. Thanks... im gonna have to recheck the Cap one site because i thought it said "Fico".. 

[Anonymous]

Okay Ok... I really didnt want another hard pull but hopefully they won't ding me much as im "shopping around"?? Dont know how that works but after several Cap1 pre approved offers i decided to see what cl they would give me... i was Approved with a $1000 limit =\.. at least its not the min $300... but I was hoping for $2500 /$3000 ... I called in after the online app.. and was told they have no recon".. so I spoke to a manager and she told me limit cant be changed... but ill be eligible for cli after 5 on time payments or I could wait til I received the card and apply for cli with only a soft pull".. this card as no annual fee and 0% apr until jan 16 so i will transfer a small balance,.. 1 more good thing is i can upgrade my card to a even better Miles card once i meet criteria without a new application. Besides the credit age disadvantage, new inquiry, and hard pull I hope I still benefit having more available credit bring my total credit to $16.5K

As Norman said, make sure you run your household bills through it and pay it off throughout the month like it's your debit card.

I received a QS1 with $2k on it with scores in the low 620s and began using this way.  After reading many of the boards, I decided to try a CLI at 3rd statement.  They gave me $3500 more. Up to $5500.  I used chat and requested to change to QS and they gave that to me with World MC status.  I have been rebuilding since December and am now in the 650s range.  I still got the increase and have 2 statements to get to my steps increase.

GOOD LUCK! You are on your way!

[800ficogirl]

Bump! Woke up to an auto increase from Barclay. $4300 from $2500. So very happy. I must be doing something right... gonna keep paying on time and getting balances lower!