Senior Contributor
Wolf3
Posts: 3,178
Registered: ‎01-24-2010
Wolf3 40 Month Milestone.

‎11-13-2012 07:36 PM

I started rebuilding 40 monts ago.   I was AU on my wifes Sears MC (CITI), the ony card she had left.

 

My first app was a US Bank secured card.   Denied!!  

 

3 secured cards followed in the next year, Then some store cards in the following year.

 

I got 2 major cards from HSBC and Capital One after having their secured cards for about 1.5 years each.

 

I have be declined for 3 major cards with other banks this year. But, just recently got some store cards with big limits.

 

Today I recieved my first major card not preceded by a secured card.  It is a cobranded REI Visa from US Bank $4500 CL. ( come full circle).

 

So I am claiming victory in my journey to primeville.  

 

 

P.S.   Same day's mail had another AMEX green card invitaion ( in the shredder ).

 

 

 

 

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Valued Contributor
beb86
Posts: 1,096
Registered: ‎10-31-2011
Re: Wolf3 40 Month Milestone.

‎11-13-2012 07:36 PM

Man you are doing awesome... CONGRATS on your progress

ccpics2.jpg
(419 Views)
 
New Contributor
ntx
Posts: 52
Registered: ‎08-02-2012
Re: Wolf3 40 Month Milestone.

‎11-13-2012 07:45 PM

Congratulations!  

BK7 04/2005. No baddies since.
Current Scores: EQ: 692 11/30/12 (myFICO), TU 697 11/28/12 (myFICO), EX 697 11/24/12
Current CL: Auto loan DCU refinance from WFDS bal. ~$16K, USAA Visa $3K 2/12, USAA MC $4K 8/12, USAA Amex $2K 10/12, Discover $1.5K 8/12, Chase Freedom $1K 8/12, GE/Walmart $800 8/12, GE/Amzn $1800 8/12, CareCredit $800 10/12, Amex Gold NPSL 10/12, DCU Visa $5K 11/12, Alliant Visa $1K 11/12, Barclay Rewards $500 11/12, FIA MC (AU) $9.6K 10/12
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Moderator
Moderator
webhopper
Posts: 6,630
Registered: ‎09-16-2011
Re: Wolf3 40 Month Milestone.

‎11-13-2012 07:50 PM

Congrats on your progress :smileyhappy:
Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Silver Spade Garden Club Member: App Free since 1/1/13. No more apps til 2014
MyFICO Fitness Goal: 800s Club!


Take the myFICO Fitness Challenge
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Valued Contributor
RyVision
Posts: 1,236
Registered: ‎04-15-2011
Re: Wolf3 40 Month Milestone.

‎11-13-2012 08:24 PM

 

Congrats Wolf3! 

 

And welcome to PrimeTime!   That time and effort can really pay off huh?    :smileyhappy:

(358 Views)
 
Valued Contributor
Epcot
Posts: 2,592
Registered: ‎10-10-2012
Re: Wolf3 40 Month Milestone.

‎11-13-2012 08:29 PM

Nice progress!
Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 777 EX 767 TU 771
App free since 4/11/12
(354 Views)
 
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
Re: Wolf3 40 Month Milestone.

‎11-14-2012 06:16 AM

Congrats

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Valued Contributor
Repo-ed
Posts: 2,602
Registered: ‎02-09-2012
Re: Wolf3 40 Month Milestone.

‎11-14-2012 06:27 AM

I'd like to get that REI card someday.  I heard they are a tough nut to crack w/ approvals

Starting Score: TU:650 - EQ: 672
Current Score: TU: 706 - EQ: 680 - EX: 699
Goal Score: 700
Take the myFICO Fitness Challenge
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Senior Contributor
Wolf3
Posts: 3,178
Registered: ‎01-24-2010
Re: Wolf3 40 Month Milestone.

‎11-14-2012 03:46 PM

I was declined for it  early last year.   

 

If it ever gets upgraded to Signature card, then that will be a another big milestone.   Maybe in a few years, when the negatives drop off my report.

 

 

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