topic Re: Last Minute App Spree in Rebuilding Your Credit

Last Minute App Spree

Anonymous — Sun, 01 May 2016 07:28:43 GMT

I told myself that in May, I'd set up camp in the garden for a year or two. Let inquiries fall off, let accounts age, maybe work some magic on leftover baddies. But it's still April 30, so one last app spree to send me off.

-Cap 1 Power Buy card- APRVD $300 (My first WEMC so no complaints here)
-Victoria Secret- APRVD $500 (SCT) [LUV button 7-10 day message]
-Wayfair- APRVD $500 (SCT) [LUV button CLI to $700]
-Overstock-APRVD $250 (SCT) [LUV button CLI to $450]

That's it for me. I'll be good now, but I have to admit seeing an approval screen is intoxicating, but I'm on my best behavior.
After a year of rebuilding took my scores from 460s to low 600s, and lenders are finally letting me join the club. Long way to go, but wanted to share. A lot of my rebuilding success is thanks to the awesome people of this forum. So thank you all of you.

Re: Last Minute App Spree

AutoBot — Sun, 01 May 2016 10:29:53 GMT

Congrats on the approvals. Never did get the SCT to work for me. Did you get a popup on the Payment tab or did you have to enter payment info and you get a popup on the Review tab?

Re: Last Minute App Spree

RonM21 — Sun, 01 May 2016 11:12:35 GMT

Congrats on the approvals and rise in scores! Now garden time right? lol!!!

Re: Last Minute App Spree

Anonymous — Sun, 01 May 2016 13:56:05 GMT

@AutoBot wrote:
Congrats on the approvals. Never did get the SCT to work for me. Did you get a popup on the Payment tab or did you have to enter payment info and you get a popup on the Review tab?

On each website there was a popup. It came after I had entered my billing information, and was on the method of payment page. I didn't have to put in card info. For VS, I didn't sign up for their member program, but I did for Wayfair and Overstock. Not sure if that meant anything. I also put about $50 worth of stuff in the cart. Again, not sure if that changed anything. If you receive pre-apprvls in the mail, I believe you are "opted in". I remember somewhere on the forum, someone mentioned you have to be opted in for the SCT to work.

Re: Last Minute App Spree

Anonymous — Sun, 01 May 2016 13:59:32 GMT

@RM21 wrote:
Congrats on the approvals and rise in scores! Now garden time right? lol!!!

Yes, into the garden I go. Gotta bulk up my profile, so I can go after the dream cards. That's credit goal #1. Currently not looking for a house or car, so I can really take the time to focus on my scores.