topic OMGOSH! YAY! in Credit Cards

OMGOSH! YAY!

Anonymous — Mon, 24 May 2010 00:00:07 GMT

Thanks to everyone on myfico! After waiting 7 LONG years and working hard with everyone's help, I received notice today that my credit score is 739 EQ! This is up from 623 on January 28th! I am 2 weeks from closing on my first home and finally have confidence in my credit history! I had one baddie that I kept fighting from Sprint for $81 and when it FINALLY went away, my score jumped from 682 to 739, so I guess it was hurting me a lot.

I have one $500 HSBC credit limit card. Any suggestions for expanding my credit profile after the closing on my house? I thinking of apping at my credit union and probably at Lowes.

Re: OMGOSH! YAY!

fricnfrac1 — Mon, 24 May 2010 00:24:41 GMT

Im new to Myfico, so have no experience to give you, however congrats on the score increase and keep up the great work!

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Breakthecycle2 — Mon, 24 May 2010 00:40:56 GMT

Yeah, Lowes would be good or a card with Bank of America...but only after you close.

Re: OMGOSH! YAY!

Anonymous — Mon, 24 May 2010 06:33:50 GMT

I would try a credit union, of course after you close,and check the forum for any good bank card offers.

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BungalowMo — Mon, 24 May 2010 12:11:52 GMT

First off...congrats on the wonderful score bump!!!!!

After your home purchase, I'd try for the Lowes. I apped online & initially they gave me a $400 limit (what can ya buy with that??) So I imediately called their cust service # and let them know I needed appliances.....immediate bump to $2900.

I'd certainly check with a credit union...and if you want another card for the mix, go for the Nationwide Visa. They give some sweet limits & great rates!

Oh....congrats on the house too!!!

Re: OMGOSH! YAY!

Anonymous — Mon, 24 May 2010 18:10:36 GMT

Wow! Great score jump - congrats! Talk about payoff for hard work!

hdsbmt wrote: I have one $500 HSBC credit limit card. Any suggestions for expanding my credit profile after the closing on my house? I thinking of apping at my credit union and probably at Lowes.

Sounds like you have a good plan. DH had a $500 Orchard, then app'd with Alliant CU and received a $10,000 CL Visa.