Regular Contributor
jtc411
Posts: 169
Registered: ‎03-29-2012
Final verdict on my mini app spree

‎10-06-2012 12:20 PM

Well after starting 7 months ago on myfico with a score of just over 580, I'm now at 740 and just closed on a home and did a refi on my car at 2.75% I also did an app spree. Household income is around 75k

 

chase freedom - 6k

bofa 123 - 5k

us bank cash+ - 5k

amex bce - denied off a SP. high internal risk and outdated SP

citi Ty - denied for not having high enough revolving use and high inquiry count( last card applied for, glad I didn't get It. I really applied on adrenaline)

 

Added 16k in sig cards. I've never had more than junk cap one credit step cards. Happy man

Starting Score: EQ 619
Current Score: EQ 735, TU 732, EX 745(Lender Pulled)
Goal Score: EQ 700

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Valued Contributor
Duncanrr
Posts: 2,500
Registered: ‎06-08-2012
Re: Final verdict on my mini app spree

‎10-06-2012 12:24 PM

well done. Enjoy new cards and grats on refi.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750
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New Contributor
creditdreamera
Posts: 65
Registered: ‎09-22-2012
Re: Final verdict on my mini app spree

‎10-06-2012 12:28 PM

Amazing, congrats to you!

EX -682
EQ -658
TU -663
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Regular Contributor
kwazziee
Posts: 148
Registered: ‎09-26-2011
Re: Final verdict on my mini app spree

‎10-06-2012 12:35 PM

Great story. Congrat. I know how it feels after my recent app spree.

(488 Views)
 
Frequent Contributor
OptimasPrime
Posts: 332
Registered: ‎08-17-2012
Re: Final verdict on my mini app spree
[ Edited ]

‎10-06-2012 12:36 PM - edited ‎10-06-2012 12:37 PM

Congrats.

 

FYI- It looks like you just cleared the bar for a visa sig with bofa (5k is the minimum cl). Consequently, it is very likely that the limit on the 123 card will not be reported. Probably not a big deal anyway since your other limits are comparable

 

edit to add- AFAIK bofa is the only lender that does not report visa sig cls

EQ 778 (myFico 05/13) | EX 749 (Amex) | CK 760 | CS 787
Amex Zync | BCE 2.6k | BofA Travel Rewards 4k | Chase Freedom 2.1k | Discover it 4k
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Valued Contributor
creditnocash
Posts: 1,918
Registered: ‎07-23-2012
Re: Final verdict on my mini app spree

‎10-06-2012 12:47 PM

congrats. treat them nicely. 

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


2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000
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Moderator
Moderator
tinuviel
Posts: 3,889
Registered: ‎11-02-2010
Re: Final verdict on my mini app spree

‎10-06-2012 12:51 PM

That's fantastic!!! Congratulations!!!!! :smileyvery-happy:



Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 733, TU 724 (05/01/2013), EX Credit Sesame 725 (05/08/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Bronze Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 4.2k, Kay Jeweler's 5.1k
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Established Contributor
migliogiorni
Posts: 582
Registered: ‎06-27-2012
Re: Final verdict on my mini app spree

‎10-06-2012 01:14 PM

Very nice CL's congrats.

 

Dallas Cowboys Fan :smileyvery-happy:
Wally: 5k
BofA: 4.9k
Chase: 4k
Citi: 3.5k
JCP: 2.4k
DFS: 2k
Discover: 1.25 k
(437 Views)
 
Valued Member
whipster
Posts: 44
Registered: ‎01-11-2009
Re: Final verdict on my mini app spree

‎10-06-2012 01:16 PM

Great job! After several months I bet you get some very nice CLI's!

(432 Views)
 
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
Re: Final verdict on my mini app spree

‎10-06-2012 01:53 PM

Congrats

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