topic Re: Clean Clean Clean (Happy Dance) in Credit Cards

Clean Clean Clean (Happy Dance)

Anonymous — Sun, 05 Jun 2016 16:10:55 GMT

Hello everyone! It's been a min since i last posted on the forum, i got frustrated with the credit repair process and abandon my repair journey and let time do it's thing. Well i'm happy to report that ALL 3 of my CR are CLEAN I can't believe it, i wanna cry.

So now that all reports are clean i pulled my scores and they are: Transunion 670 Equifax 688 Experian 703

Now the BAD news, i have no opening accounts reporting on any of my files, just a old Navy federal credit card that is now closed but reporting a pefect credit history.

I need advice on how to careful move forward, i dont wanna appy for low limit card and i dont wanna alot of inquiry. I 0 inquiries on ALL CR which make me smile. So any advice would be helpful.

Do you guys think i can get approved for any prime card with no opeing accounts reporting?

Re: Clean Clean Clean (Happy Dance)

Anonymous — Sun, 05 Jun 2016 17:53:22 GMT

Well Congrats on your CLEEEANNNNNN!!!

Well with those scores you can apply for cap 1 QS 1 Or a discover it. They may give you a secured card but you can always start from some where. You have some pretty experience members that will soon chime in to your thread...

Re: Clean Clean Clean (Happy Dance)

dman23 — Mon, 06 Jun 2016 23:21:12 GMT

@Anonymous wrote:
Hello everyone! It's been a min since i last posted on the forum, i got frustrated with the credit repair process and abandon my repair journey and let time do it's thing. Well i'm happy to report that ALL 3 of my CR are CLEAN I can't believe it, i wanna cry.

So now that all reports are clean i pulled my scores and they are: Transunion 670 Equifax 688 Experian 703

Now the BAD news, i have no opening accounts reporting on any of my files, just a old Navy federal credit card that is now closed but reporting a pefect credit history.

I need advice on how to careful move forward, i dont wanna appy for low limit card and i dont wanna alot of inquiry. I 0 inquiries on ALL CR which make me smile. So any advice would be helpful.

Do you guys think i can get approved for any prime card with no opeing accounts reporting?

Congrats on your clean reports. I wouldn't say you abandoned your credit repair journey. Quite often the biggest part of the credit repair journey process is time. So great job!

My scores were similar to yours when I started working on my credit. I had no open accounts at the time and applied for and received Chase Freedom, Discover it, and Barclays Rewards. I think my credit limits for them were 3k, 1400, and 1200. (Something like that) They're now 7k, 15,200, and 2600. So don't worry about starting out with a small limit. Get what you can, utilize them responsibility and you'll be rewarded.

Re: Clean Clean Clean (Happy Dance)

Anonymous — Sun, 05 Jun 2016 19:38:38 GMT

CONGRATS on your clean reports! Sometimes time is the next best step. With the scores you have now you should have no problem getting some unsecured cards. My scores were a little lower than yours and in the last 60 days I've been approved for a Chase Freedom ($2,500) Discover IT ($3,000) and Chase Slate ($2,000). I had one collection on my account when I app'd for the Freedom and the Discover. I know the limits aren't huge, but they are more than large enough for me. I'm just working on making oodles of on time payments and keeping my utilization down.

Don't sweat the inquiry aspect so much. You can't get credit if you don't apply for credit. I'm not saying go crazy and app for 20 cards, but choose a few you'd like that work with what you're trying to accomplish and go for it. Inquiry impact is low in the overall scoring model, and they are off pretty quickly too. Just remember that opening new account will drop your AAoA, so you might see a dip in your score for a little while after you open the new accounts. Making payments for a few months as they age helps with that though.

Re: Clean Clean Clean (Happy Dance)

RonM21 — Mon, 06 Jun 2016 00:23:39 GMT

Congrats on the success of having the clean reports!

Re: Clean Clean Clean (Happy Dance)

elim — Mon, 06 Jun 2016 00:44:47 GMT

Check all the Pre-quals and report back. You may consider finding the Penfed thread as anyone can join. They will give you offers with real dollar amounts that you can accept or not. And they give some nice limits and low APR's

Prequals!!! Amex, Chase, Cap1, Citi, Boa

Spend some time making a list and choosing the right card(s) for you. Maybe no store cards this round? Come back and run it by these Pro App'ers before pulling the trigger(s).

Congrats on the clean files. pretty sweet.

Re: Clean Clean Clean (Happy Dance)

surferchris — Mon, 06 Jun 2016 15:08:51 GMT

@elim wrote:
Check all the Pre-quals and report back. You may consider finding the Penfed thread as anyone can join. They will give you offers with real dollar amounts that you can accept or not. And they give some nice limits and low APR's

Prequals!!! Amex, Chase, Cap1, Citi, Boa

Spend some time making a list and choosing the right card(s) for you. Maybe no store cards this round? Come back and run it by these Pro App'ers before pulling the trigger(s).

Congrats on the clean files. pretty sweet.

Re: Clean Clean Clean (Happy Dance)

gdale6 — Mon, 06 Jun 2016 21:59:17 GMT

Moving to CC for more help

Re: Clean Clean Clean (Happy Dance)

SouthJamaica — Mon, 06 Jun 2016 22:59:32 GMT

@Anonymous wrote:
Hello everyone! It's been a min since i last posted on the forum, i got frustrated with the credit repair process and abandon my repair journey and let time do it's thing. Well i'm happy to report that ALL 3 of my CR are CLEAN I can't believe it, i wanna cry.

So now that all reports are clean i pulled my scores and they are: Transunion 670 Equifax 688 Experian 703

Now the BAD news, i have no opening accounts reporting on any of my files, just a old Navy federal credit card that is now closed but reporting a pefect credit history.

I need advice on how to careful move forward, i dont wanna appy for low limit card and i dont wanna alot of inquiry. I 0 inquiries on ALL CR which make me smile. So any advice would be helpful.

Do you guys think i can get approved for any prime card with no opeing accounts reporting?

If I were you I'd check the Chase prequalified site, and apply for the Freedom or Freedom Unlimited if you show up as prequalified.

If you don't show up as prequalified there, try Amex and see if you're prequalified for the BCE.

If you don't show up as prequalified on either of those, then I would go to Capital One, and if I were prequalified for anything there, I would grab it (caveat, they do a double or triple pull, but you'll be on the road to a comeback).

Re: Clean Clean Clean (Happy Dance)

baller4life — Mon, 06 Jun 2016 23:07:56 GMT

Discover for sure, Cap One QS and Freedom. Garden those for a year. Then, start building on those. Slow and steady.

Re: Clean Clean Clean (Happy Dance)

Thomas_Thumb — Tue, 07 Jun 2016 01:10:13 GMT

@Anonymous wrote:
Hello everyone! It's been a min since i last posted on the forum, i got frustrated with the credit repair process and abandon my repair journey and let time do it's thing. Well i'm happy to report that ALL 3 of my CR are CLEAN I can't believe it, i wanna cry.

So now that all reports are clean i pulled my scores and they are: Transunion 670 Equifax 688 Experian 703

........................Good Work! How about a happy dance.......................

Re: Clean Clean Clean (Happy Dance)

Anonymous — Tue, 07 Jun 2016 01:22:34 GMT

@elim wrote:
Check all the Pre-quals and report back. You may consider finding the Penfed thread as anyone can join. They will give you offers with real dollar amounts that you can accept or not. And they give some nice limits and low APR's

Prequals!!! Amex, Chase, Cap1, Citi, Boa

Spend some time making a list and choosing the right card(s) for you. Maybe no store cards this round? Come back and run it by these Pro App'ers before pulling the trigger(s).

Congrats on the clean files. pretty sweet.

Discover has a prequal as well... Go for It!

Re: Clean Clean Clean (Happy Dance)

Anonymous — Tue, 07 Jun 2016 04:36:09 GMT

I read on here about a member who used a fake name on Discover's pre-qual and got an offer....I've learned that it's pretty useless.

Re: Clean Clean Clean (Happy Dance)

Nova5041 — Tue, 07 Jun 2016 04:48:24 GMT

First of all congrats, I have such a long way to being clean, that I don't want to even think about it! Lol! But yeah, find you a couple cards you like, Discover or capital one cards are a great starter choice, and enjoy your success, you've made it to the promised land!!!! 😊😊😊

Re: Clean Clean Clean (Happy Dance)

Anonymous — Wed, 08 Jun 2016 19:32:47 GMT

@elim wrote:
Check all the Pre-quals and report back. You may consider finding the Penfed thread as anyone can join. They will give you offers with real dollar amounts that you can accept or not. And they give some nice limits and low APR's

Prequals!!! Amex, Chase, Cap1, Citi, Boa

Spend some time making a list and choosing the right card(s) for you. Maybe no store cards this round? Come back and run it by these Pro App'ers before pulling the trigger(s).

Congrats on the clean files. pretty sweet.

Re: Clean Clean Clean (Happy Dance)

Anonymous — Wed, 08 Jun 2016 20:59:41 GMT

@Anonymous wrote:
Hello everyone! It's been a min since i last posted on the forum, i got frustrated with the credit repair process and abandon my repair journey and let time do it's thing. Well i'm happy to report that ALL 3 of my CR are CLEAN I can't believe it, i wanna cry.

So now that all reports are clean i pulled my scores and they are: Transunion 670 Equifax 688 Experian 703

Now the BAD news, i have no opening accounts reporting on any of my files, just a old Navy federal credit card that is now closed but reporting a pefect credit history.

I need advice on how to careful move forward, i dont wanna appy for low limit card and i dont wanna alot of inquiry. I 0 inquiries on ALL CR which make me smile. So any advice would be helpful.

Do you guys think i can get approved for any prime card with no opeing accounts reporting?

IMHO, I think the first thing you need to do is figure out which cards support your spend and lifestyle. I cannot stress this enough. Do not apply for cards that don't fit your spend and lifstyle. Make a list of the cards you want. Then research the cards to make sure you meet the requirements (credit profile, FICO scores, etc.). From there I would put them in order based on criteria that is important to you. When making your list, make sure to note if there are any specific rules governing a specific bank and/or card(s). For example, Chase's 5/24 rule (I know there are exceptions.) and BoA & Barclay's no or low inqs on EXP and TU for 6 months before applying. You get my point.

More than likely, you will end up with two lists: (1) cards you can get now and (2) cards for future apps once your credit profile supports them. Now, is time to check for prequals. I strongly discourage doing app sprees. I know a lot of people do them and have had success but it's not for every credit profile. You have waited for your credit reports to be totally clean so don't mess them up now with too many inqs. Personally, I think you earn better starting limits and lower APRs if you space out applications.

Whatever you decide I wish you luck. See you around the forum!

Re: Clean Clean Clean (Happy Dance)

Anonymous — Sat, 11 Jun 2016 03:09:11 GMT

@Thomas_Thumb wrote:
@Anonymous wrote:
Hello everyone! It's been a min since i last posted on the forum, i got frustrated with the credit repair process and abandon my repair journey and let time do it's thing. Well i'm happy to report that ALL 3 of my CR are CLEAN I can't believe it, i wanna cry.

So now that all reports are clean i pulled my scores and they are: Transunion 670 Equifax 688 Experian 703

........................Good Work! How about a happy dance.......................