Re: myFICO Fitness Challenge 2012 Wrap Up: How Did You Do?
12-19-2012 06:45 PM
copied and pasted from this thread....
Might as well add my review.
Before 2012 Start:
Start of credit history
Best Buy: Opened 10/10/10- 2500 limit (with mom as joint account holder with a bk discharge in 07')
Macy's: Opened 12/20/10 100 limit:
2012: And Beyond
Jan 5th: apped kohls approved for 400-still there. sd for now.
feb:apped for chase/citi and cabelas; all denied for not enough revolving accounts
fast forward to june
Started working for bank- opened accounts there they pulled my credit, one for openeing account(it's interest bearing) go figure, and then again for a cc app i did for the employee card 500 limit
July was a busy month as well.
Ae-apped in store-400 girl said was a good limit with a smile lol- now 700
Chase Freedom-Approved 500 limit- still there
walmart-approved for store card- 800 limit- now 5k after 2 increases 3k to 5k
macy's in june noticed they started reporting limits. as stated was 100 dollars then it was 2k in june never told me since i get estatements and dont use the account-cli to 3.5k this month
then i was good in the garden for a little over a month and then aug 30th came.
I GOT A NEW CAR
so toyota finance and the dealership pulled all three of my reports each
then citizens pulled all three of my reports for a od line of credit was denied for lack of credit history but spit out a 726 score but was pre approved for a 2k card- no pull for that
and my last app was amex for the zync- approved
December-Pre approved for a 5k card at work via soft pull.
cli on freedom
cli on 5k card from work to 10k
costco te from amex with backdate(think ill wait until 2014 for this though)
close smaller limit cards. (kohls(no wiggle room for a cli, dont even really shop there-i actually applied for this because i didnt want my mom to have another card lol(surprised i got approved) , ae(they have a visa version but no rewards whatsoever) , citizens bank(lower limit ones)
Keeping my util=< 5%
so essentialy want to have my zync, costco te, Freedom Visa Sig, My work MC 5k + and an upgrade to wm discover(if only to pc to a discover it(which i know it isnt possible).
im young=21, working, college student. no baddies and planning on buying a house/condo in the next 5 years.
but then again that could all change tommorrow.
edit/adding: so i went from 2600 in credit to almost 20k (19900) and a new car. (installment loan for 10k lease over 3 years) (putting away 100 dollars extra a week to buy a new car outright before lease is up (another car is more likely)
went from a 16.6k job pre tax, to a 32k pre tax not including bonus/pre tax 401k dedutcion + matched by employer)
|Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)|
Starting total revolving credit: $2600 | Current total revolving credit: $21,600
Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012
|Amex Zync(Unicorn) |