Re: Final verdict on my mini app spree

jtc411 · ‎03-29-2012

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 high internal risk and outdated SP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

Take the FICO Fitness Challenge

Duncanrr · ‎06-08-2012

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
Take the FICO Fitness Challenge

creditdreamera · ‎09-22-2012

Amazing, congrats to you!

EX -682
EQ -658
TU -663

kwazziee · ‎09-26-2011

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

OptimasPrime · ‎08-17-2012

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

creditnocash · ‎07-23-2012

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

tinuviel · ‎11-02-2010

That's fantastic!!! Congratulations!!!!!

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

migliogiorni · ‎06-27-2012

Very nice CL's congrats.

Dallas Cowboys Fan

Wally: 5k
BofA: 4.9k
Chase: 4k
Citi: 3.5k
JCP: 2.4k
DFS: 2k
Discover: 1.25 k

whipster · ‎01-11-2009

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

Cadillac-XTS · ‎08-20-2012

Congrats