Day of Discharge - 5/22/2017
Fico 8 6/5/2017: EQ: 608, TU: 576, EX: 578
As of 9/1/2017: EQ: 655, TU: 628, EX: 648
Right now I have the Following Accounts
Capital One Quicksilver (3 Months): $600 - This Account started as Platinum with a $500 SL. I got the 3 month love button for an extra 100. I put a decent amount of spend through it and paid 0 interest on it. I actually just upgraded it today from Platinum to Quicksilver with no AF. Credit Steps should still be in place.
Victoria's Secret (3 Months): $250 - Still My Baby Card. They refuse to give in to a CLI. I have charged $20-$40 at a time on it and then paid it off. Still no love will try again on the 5th after my 3rd payment due date.
Overstock Store Card (2.5 Months): $800 - Started at $500, got a $300 just recently. Only made one 50 purchase on it so far. This will become my card reporting at zero once it updates.
DiscoverIt NHL Card (1 Month) - $1,200 - Has become my main card. I have been putting some good spending through this card trying to get that Discover Love. I did just hit 31days and didn't get CLI love. Will try again around 61days.
Cabela's Visa (N/A) - $??? - Was Approved on 8/21/18. Didn't get the card yet nor did I call in to get my SL. I grabbed this card because it will become part of the Capital One family and I will be hoping to move whatever CL I have on this card to another Cap One card if I don't get the CLI love that Cap One can give.
Amex BCE (1 Month) - $10,000 - My GF card, I am a Authorized User on this card. Simply using this card to get more "available" credit. Also hope it helps get back in with Amex but I have since heard that it does nothing to help. I may wait until I hit around 10k in credit on my own and have her remove me as I don't want to have any AU accounts if they arent needed.
All together my Credit Scores should be around 8points higher on average. I'm actually in the process of switching the card that reports $0 and im in the middle of that right now. I have all cards that are reporting showing a balance. However, I only have a balance on my Disco Card for 18$ which I am paying today and the VS card for about 34$ that will also be paid off. Don't think anything will update in time for the September 5th repull of the credit reports. I will be taking a 3month gardening trip at that point. I'm going to shut of my fico report until the turn of the year and just build my AAoA and hopefully add some Credit Limit to it.
I have averaged about 55 points increase across the three bureaus in the last 3 months and hoping to jump up another 20 or so by the end of the year. So far I have been sending in GW's trying to get as many of the old lates removed as possible and the only one that worked so far was on some really old Capital One accounts that were going to drop anyways. Barclays said no way and I did pull the trigger to see if I was blacklisted from them and I am. I havent heard anything from Jared yet. Has anyone tried Chase or a Car Loan account? I also need to try Kohl's.
I think I might try Barclay's once more time, has anyone had any luck with them??
