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

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 high internal risk and outdated SP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
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
Re: Final verdict on my mini app spree
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 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
New Contributor
Posts: 65
Registered: ‎09-22-2012
Re: Final verdict on my mini app spree

Amazing, congrats to you!

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

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

Frequent Contributor
Posts: 348
Registered: ‎08-17-2012
Re: Final verdict on my mini app spree
[ Edited ]

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 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
Valued Contributor
Posts: 2,270
Registered: ‎07-23-2012
Re: Final verdict on my mini app spree

congrats. treat them nicely. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6,400
Citi DC $10,000
Citizens Mastercard$7,000
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
Re: Final verdict on my mini app spree

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


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Contributor
Posts: 657
Registered: ‎06-27-2012
Re: Final verdict on my mini app spree

Very nice CL's congrats.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Regular Contributor
Posts: 224
Registered: ‎01-11-2009
Re: Final verdict on my mini app spree

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

Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
Re: Final verdict on my mini app spree

Congrats