https://ficoforums.myfico.com/t5/Credit-Cards/Recent-ability-to-get-credit/m-p/2936702#M833224 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>My first card was a $300 capital one CC that I defaulted on and had a judgement against me back in 2010. I to this day haven't paid this; only because I cannot find who holds the debt. I called Cap1, and they tell me to call the collection agency who holds the debt, no collection agencies listed on my 3 credit reports (but thats another story).</P><P>&nbsp;</P><P>I had a $1000 secured card for the last 2 years, and my fico score is 650.</P><P>&nbsp;</P><P>I was recently approved by Discover for an unsecured $1400 line of credit. I balance transfered and closed my secured card and took the cash back.</P><P>&nbsp;</P><P>4 days ago Iapplied for a chase freedom card and was given $3000.00 lien of credit.</P><P>&nbsp;</P><P>Up until a few months ago (I tried every 3-6 months) and was denied an unsecured card.</P><P>&nbsp;</P><P>What has changed [speculitivly] that has now allowed me to be approved for "excellent' credit worthiness card companies?</P><HR /></BLOCKQUOTE><P>Your score has improved over time and the negative is further back in history.</P> Sun, 23 Mar 2014 00:12:31 GMT gdale6 2014-03-23T00:12:31Z https://ficoforums.myfico.com/t5/Credit-Cards/Recent-ability-to-get-credit/m-p/2936634#M833206 <P>My first card was a $300 capital one CC that I defaulted on and had a judgement against me back in 2010. I to this day haven't paid this; only because I cannot find who holds the debt. I called Cap1, and they tell me to call the collection agency who holds the debt, no collection agencies listed on my 3 credit reports (but thats another story).</P><P>&nbsp;</P><P>I had a $1000 secured card for the last 2 years, and my fico score is 650.</P><P>&nbsp;</P><P>I was recently approved by Discover for an unsecured $1400 line of credit. I balance transfered and closed my secured card and took the cash back.</P><P>&nbsp;</P><P>4 days ago Iapplied for a chase freedom card and was given $3000.00 lien of credit.</P><P>&nbsp;</P><P>Up until a few months ago (I tried every 3-6 months) and was denied an unsecured card.</P><P>&nbsp;</P><P>What has changed [speculitivly] that has now allowed me to be approved for "excellent' credit worthiness card companies?</P> Sat, 22 Mar 2014 23:39:01 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Recent-ability-to-get-credit/m-p/2936634#M833206 Anonymous 2014-03-22T23:39:01Z https://ficoforums.myfico.com/t5/Credit-Cards/Recent-ability-to-get-credit/m-p/2936702#M833224 <BLOCKQUOTE><HR />@Anonymous wrote:<BR /><P>My first card was a $300 capital one CC that I defaulted on and had a judgement against me back in 2010. I to this day haven't paid this; only because I cannot find who holds the debt. I called Cap1, and they tell me to call the collection agency who holds the debt, no collection agencies listed on my 3 credit reports (but thats another story).</P><P>&nbsp;</P><P>I had a $1000 secured card for the last 2 years, and my fico score is 650.</P><P>&nbsp;</P><P>I was recently approved by Discover for an unsecured $1400 line of credit. I balance transfered and closed my secured card and took the cash back.</P><P>&nbsp;</P><P>4 days ago Iapplied for a chase freedom card and was given $3000.00 lien of credit.</P><P>&nbsp;</P><P>Up until a few months ago (I tried every 3-6 months) and was denied an unsecured card.</P><P>&nbsp;</P><P>What has changed [speculitivly] that has now allowed me to be approved for "excellent' credit worthiness card companies?</P><HR /></BLOCKQUOTE><P>Your score has improved over time and the negative is further back in history.</P> Sun, 23 Mar 2014 00:12:31 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Recent-ability-to-get-credit/m-p/2936702#M833224 gdale6 2014-03-23T00:12:31Z